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有谁知江门装修贷款怎么样申请吗

有谁知江门装修贷款怎么样申请吗

浏览：56次 | 提问时间： 06-19 04:08

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紅顏傷 06-19 04:09

江门市公积金贷款装修的申请流程是这样的：首先贷款人须有本市城镇常住户口或有效居留身份，另外，自申请之日向前推，连续足额缴存住房公积金12个月以上(夫妻都缴存公积金的只允许一人贷款);申请人还需要有符合法律规定的购房、建房、大修自住住房的合同(协议)及有关材料;并且具有稳定的经济收入，有偿还贷款本息的能力(由所在单位出具月收入证明);此外就是申请人要具有一定比例的自筹资金。购买商品房、经济适用住房的，自筹资金不低于总房价的20%(购买二手房或建房、大修住房的，自筹资金不低于总房价的30%);最后一点就是申请人同意用所购住房或具有完全产权的自有住房或第三人住房做抵押，或用贷款银行认可的有价证券、银行定期存单进行质押，或由贷款银行认可的法人、组织或第三人提供保证。以上如果都符合要求的话，便可以向有关部门提交申请。

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