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绵阳装修贷款怎么办

绵阳装修贷款怎么办

浏览：35次 | 提问时间： 07-30 09:52

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年少梦话在你葬礼上放倍儿爽 07-30 09:53

贷款人申请装修贷款，一般要向银行提供如下材料：1、有效*、居委会开具的常住户口证明，证明自己的身份和固定住所；2、单位出具的职业和个人收入证明、连续六个月及以上稳定*明（或者自己提供近几个月的工资流动账单），证明自己的还款能力；3、房产证（抵押贷款需要），用于房产抵押；4、银行存款对账单、水电等税单证明，证明自己的信用品质；5、与装修企业签订的《装修工程合同》、《购买装修材料合同》等材料，证明贷款用途；6、装修企业的营业执照和资格*复印件，证明合作商是否在指定范围内；7、银行或金融机构需要的其他条件。

待你婚纱落地我定短裙相配 07-30 10:01

第一，不是每个银行都有装修贷款这一项。第二，有的银行要求装修贷款必须附和在买房按揭一块申请。第三，要贷装修贷款还必须持有房屋装修合同，合同要经银行审核（具体数值和列项必须合理）。贷款金额参照合同总价。下贷直接放给该装修公司而不是申请人。

落雪如画 07-30 10:09

建设银行、农业银行、招商银行等网点，都有针对房主提供装修贷款：只要业主提供*、户口簿、房产证等*，并以房屋作为抵押，均可以获得一笔装修贷款，最高达房屋评估价的七成。在利率上，各家银行家装贷款利率大多为基准贷款利率上浮10%~30%，贷款期限在3~5年。对于一般的家庭装修来说，资金是足够了，如胡先生的新房评估价值为100万元，他可以抵押新房，最高获得70万元的贷款。需要提醒的是，银行抵押贷款的抵押物只能是房产，不接受车、贵金属等作为抵押物。如果自己手头资金缺口不大，比如10万元以内，可以申请无抵押贷款或者*家装分期。

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