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东莞装修贷款有哪些流程？怎么算费用呢

东莞装修贷款有哪些流程？怎么算费用呢

浏览：54次 | 提问时间： 07-21 11:55

抵押房屋房款时间是多久？一般是多少天就能放款了，谁贷款锅吗，能说说具体情况吗

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百年孤老 07-21 11:56

哪家好还是综合各方面来对比的，装修公司在东莞的业主口碑，好的装修公司服务都会很到位的，以及就是应该货比三家，合适自己的才是最重要的，还是实际点比较好，前期建议多了解装修趋势还有流程，听隔壁的邻居说装修快车那边前期参照很方便，也可以去参照一下，预祝装修愉快！

悔恨何用 07-21 12:04

东莞装修贷款流程：首先，申请住房装修贷款需要满足一定的条件：具有城镇常住户口或有效居留身份；有正当职业和稳定收入，具备到期偿还贷款本息的能力；住房装修贷款的借款人要能提供有关资产证明、银行对帐单、税单证明；对新购住宅装修的应提供房屋买卖契约、购房发票等资料，原有住宅再次装修的应提供房屋所有权证明；贷款机构所规定的其它条件。其次，个人住房装修贷款是银行向借款人发放的用于自有住房装修的贷款。这里所说的住房装修，是指使用装饰装修材料对住房进行修饰和加工处理的工程活动。就是说房产应该是自己的。再次，申请住房装修贷款，要有与经有关部门批准的装饰装修企业所签定的住房装修合同、装修概算书及相关资料；部分银行也要求业主有不少于装修总预算30%的自有资金。最后，按银行的规定住房装修贷款通常不允许提取现金。银行会将款项打到装修公司的账户中。

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