array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(30) "付了首付还能加名字吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599444624" ["tagid"] => int(1143890) ["id"] => string(7) "1143890" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503949198262277) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1143890" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1143890" } [1] => array(11) { ["tagname"] => string(18) "房贷好申请吗" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(500254) ["id"] => string(6) "500254" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927748591648) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/500254" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/500254" } [2] => array(11) { ["tagname"] => string(24) "装修贷款好申请吗" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(990238) ["id"] => string(6) "990238" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943780270084) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/990238" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/990238" } [3] => array(11) { ["tagname"] => string(18) "房贷首付多少" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(500003) ["id"] => string(6) "500003" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927742300165) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/500003" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/500003" } [4] => array(11) { ["tagname"] => string(30) "户口注销后还能恢复吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599444624" ["tagid"] => int(1165223) ["id"] => string(7) "1165223" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503949855719427) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1165223" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1165223" } [5] => array(11) { ["tagname"] => string(39) "有房贷装修贷款还可以申请吗" ["inlink"] => int(0) ["addtime"] => string(10) "1608629480" ["tagid"] => int(7723101) ["id"] => string(7) "7723101" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504172911951884) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/7723101" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/7723101" } [6] => array(11) { ["tagname"] => string(27) "装修贷款申请靠谱吗" ["inlink"] => int(0) ["addtime"] => string(10) "1600480755" ["tagid"] => int(1411385) ["id"] => string(7) "1411385" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503958897590285) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1411385" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1411385" } [7] => array(11) { ["tagname"] => string(24) "房贷首付多少划算" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(500002) ["id"] => string(6) "500002" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927742300164) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/500002" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/500002" } [8] => array(11) { ["tagname"] => string(24) "买房贷款首付多少" ["inlink"] => int(0) ["addtime"] => string(10) "1598924527" ["tagid"] => int(1050823) ["id"] => string(7) "1050823" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503945520906272) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1050823" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1050823" } [9] => array(11) { ["tagname"] => string(24) "现在房贷首付多少" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(876393) ["id"] => string(6) "876393" ["depart"] 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房贷后还能申请装修贷款吗？首付多少

房贷后还能申请装修贷款吗？首付多少

浏览：39次 | 提问时间： 07-28 04:27

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3个答案

谋权在手 07-28 04:28

申请信用贷款后，还能贷款买房吗基于这个问题，银行会从以下几个方面来考核：
1、是否有一定比例的首付款。贷款买房的借款人需要依照银行要求(首套房首付至少三成;二套房首付至少六成，某些地区地区要求七成)准备好首付款，若首付不达标，则无法获贷。
2、是否有按时足额还款的能力。银行审批贷款时，会着重查看借款人的还款能力。依照相关规定，借款人的月还款额不能超过家庭月收入的50%。
3、信用记录是否良好。想要成功获得房贷，借款人需要有良好的信用记录。不过，也不是说有逾期记录就无法获贷了，但你至少得满足这一要求：近两年内，累计逾期次数不能超过六次或连续逾期不能超过90天，由此看来在日常生活中，维护良好的信用记录还是非常有必要的。由此看来综上所述，只要借款人有足够的还款能力，申请信用贷款后，还是可以申请贷款买房的，只是有必要提前做好还款计划，这样可以防止出现逾期。

领悟 07-28 04:36

所有银行能申请装修贷款，个人住房装修贷款可以与所配套个人住房贷款同时申请，也可以单独申请。同一个时间段里申请：在同时申请时，申请资料、业务流程及相关要求与所配套个人住房贷款保持一致；同时申请时，可以暂不提供装修合同。

薄荷少女柠檬心 07-28 04:44

原则上来说，按揭中的房子已经是抵押给银行的，已经抵押的房子不能再用来抵押申请贷款，并且房子的房产证也没有拿到。不过有的银行会对本行的住房按揭贷款客户提供装修贷款，哪怕是按揭中的房子，同样能用来申请装修贷款。依照当前的情况知道，银行有相像这样的装修贷款产品，即在他们银行办理按揭贷款后，能用按揭的房子再在他们银行申请装修贷款。不过需要关注，装修贷款额度还与按揭房屋的价值及剩余按揭房贷有关。除此情况之外，若是按揭中的房子不能用来抵押办理装修贷款的话，也能经过办理无抵押贷款的方式获取装修钱。现在小额贷款公司的无抵押贷款条件比较宽松，只有个人信用良好，能提供3-6个月的银行流水，具备每期按时偿还贷款本息的能力就能办理。按揭贷款的房子可以申请装修贷款吗在借款人有足够的还款能力的情况下，条例申请装修贷款的其他条件时，也是可以实现的，不过，借款人的还款压力也就相对增加很多，由此看来提前做好还款计划还是非常有必要的。

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