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房屋装修能向银行贷款吗？最高可以贷款多少啊

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房屋装修能向银行贷款吗？最高可以贷款多少啊

浏览：47次 | 提问时间： 07-21 11:55

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3个答案

千年后便是一轮回便是相见 07-21 11:56

家装贷款也称装修贷款，指银行或者消费金融公司推出的，以家庭住房装修为目的个人信用贷款即无抵押信用贷款。银行发放的个人住房装修贷款单笔贷款额度原则上不超过15万元人民币，同时不超过装修工程总费用的50%。家装贷款现在有有两种贷款和一个信用卡分期形式可以申请：申请个人信用贷款来装修；个人消费贷款之装修贷款；这里的消费贷款指的是持贷款期限；最短期限为半年，最长期限为5年(含5年)；信用卡家装分期；消费金融公司贷款除了银行贷款这条传统途径外，向消费金融公司贷款也是可以选取的途径之一。申请条件：具有当地常住户口及合法有效的身份证明；有正当职业和稳定收入，具备到期偿还贷款本息的能力；借款人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(或原有住宅再次装修的应提供房屋所有权证明材料)；合作机构所规定的其它条件。

等来年 07-21 12:04

现在住房贷款分三种:公积金贷款、商业贷款、组合贷款(商业加公积金)。上面三种方式都是以现购房屋做抵押向银行贷款,还款方式有两种:等额本息、等额本金

染血Heart 07-21 12:12

题主好，房屋装修能贷款，部分银行有专门的房屋装修贷款业务。假如是商业银行贷款的话，房产证和土地证肯定暂时拿不到，即便有也在银行抵押着。装潢可以再贷款，农业银行就有家装贷，您最好去按揭贷款所在银行办理装修贷款，手续也不是太复杂

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