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北京装修贷款怎么申请?谁知道该怎么办理啊

浏览:70次 | 提问时间: 07-28 04:43
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3个答案
回不去的過去 07-28 04:44

也是近期有了解下关于怎么办理装修贷款的相关程序,现在分享给看看。装修贷款也称家装贷款,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。申请条件:
1.具有当地常住户口及合法有效的身份证明;
2.有正当职业和稳定收入,具备到期偿还贷款本息的能力。
3.借款人能提供有关资产证明、银行对帐单、税单证明等
4.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);
5.合作机构所规定的其它条件。如何办理呢?
1.办理渠道:借款人通过银行开办个人住房装修贷款业务的分支机构申请办理个人装修贷款业务。
2.办理流程:①借款人申请办理住房装修贷款,须到开办该项业务的营业网点提出申请,填写申请表,提交相关资料、办理有关担保手续;②客户经理调查、审核同意后,报经有权审批部门审批同意后,签订借款合同;③客户经理办理放款手续,将款项转入借款人在行个人结算账户上,客户即可使用贷款资金;④借款人到营业柜台还款,或在存款账户或银行卡上留足还款金额,委托贷款银行代扣还款;⑤贷款结清后,银行与客户解除债权债务关系,办理有关手续。

尤物少女 07-28 04:52

可以申请公积金装修贷款的,不过你是异地,并不好直接申请装修贷款,不过可以提取公积金来用于装修。你可以直接到公积金管理中心去申请提取。

入你眼 07-28 05:01

中新社发唐志顺作政府的相关规定要求,对已使用贷款购买住房、又申请购买第二套(含)以上住房的,贷款首付款比例不得低于40%,贷款利率不得低于中国人民银行公布的同期同档次基准利率的1.1倍。已使用住房公积金贷款购房的家庭,再次向商业银行申请住房贷款的,也按照通知中的第二套住房标准来认定。那么,买第二套房时,该怎么选取贷款方式呢?情形1第一套房是商贷,第二套最好选公积金假如第一套住房是选取商业贷款的,无需考量是否还清就可以再次申请第二套住房贷款。此时,第二套可以考量用公积金。由于,公积金贷款除了本身利率低的优势外,还不受“第二套房需提高首付和利率”新政的限制。假如第一套住房选取的是商业贷款,第二套不能申请公积金贷款而只能选取商业贷款,买第二套房的贷款首付款就得提高到四成,贷款利率也不得低于基准利率的1.1倍。专家建议:北京中原三级市场研究中心相关人士表示,尽量选取等额本金还款方式更省利息。情形2第一套房公积金没还清,第二套只能选商贷假如第一套住房选取公积金贷款未还清的,在购买第二套及以上住房时,只能选取商业贷款。这时买第二套房的贷款,也得执行新政。假如第一套住房选取公积金贷款,第二套还想要选取公积金贷款时,就应该先把第一套房的公积金贷款还清,方可以再申请。还清后再申请公积金,现在不受“第二套房需提高首付和利率”新政的限制。专家建议:要想省钱,当然也是尽量选取等额本金还款方式。

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