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住房装修信用贷款利息计算方式是怎样的？_其他_设计456问答
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住房装修信用贷款利息计算方式是怎样的？

浏览：68次 | 提问时间： 07-22 02:38
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4个答案
亂丗`小苮囡 07-22 02:38

题主好！装修贷款方式有很多种，各大银行都可以申请信用卡分期贷款装修和个人信用贷款、抵押贷款。其它的金融机构，依照借款人提交的装修贷款申请也可以办理装修贷款，只是利息不同而已。

我怕天黑也怕没有你 07-22 02:47

装修信用贷款利息按照月利率计算，不同银行和不同贷款公司对装修信用贷款利息的收取都各不相同。像月利率1.5%化成年利率就是18%。还款方式按等额本息或等额本金还的话，实际支付的利息要小于年利率。比如20%的年利率若按等额本息还，实际支付利息大约在12%上下。

独 07-22 02:55

房屋装修能贷款，部分银行有专门的房屋装修贷款业务。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。

让我做个安静的美男子 07-22 03:03

住房装修信用贷款利息计算方式，也即装修贷款的利率以现行的央行基准利率为准，其中六个月贷款年利率为5.6%，一年期贷款年利率也为5.6%，一到三年期贷款年利率为6.00%。

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