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大连装修贷款怎么申请

浏览：56次 | 提问时间： 07-30 11:02
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似蹙 07-30 11:03

你好，需要准备的如下：（一）有效身份*的原件和复印件；（二）有贷款银行认可部门出具的借款人收入证明；（三）有抵押或质押财产权利凭证清单、权属证明及有权处分人（包括财产共有人）同意抵押或质押的证明，由第三方提供保证的，应出具保证人同意提供担保的书面文件和有关资信证明材料；（四）有与装修企业签订的《北京市家庭居室装饰工程施工合同》，装修企业必须是与建设银行分行签订《合作协议》的；（五）有所装修住房的房屋所有权证或经市房屋土地管理局登记备案的租赁合同；（六）贷款银行规定的其他条件。

他不懂 07-30 11:12

要首先有自己的买房合同和房产证，然后带著自己的合同去建委哪里出具一个协议书，然后和装修公司一起签字盖章。手续要有先后顺序，不能有一点差错。

成绩爱挑拨离间 07-30 11:20

申请贷款一般需要抵押物和担保，例如：申请“个人消费贷款”需客户使用已结清贷款同时*齐全房产做抵押。注：贷款资金是专款专用，无法贷出现金。            贷款利率需结合您申请的业务品种、信用状况、担保方式等因素进行综合的定价，需经办网点审批后才能确定。

你不是我不造我的感觉 07-30 11:28

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。满足上述条件之后，装修贷款如何申请，它的渠道及办理流程是什么呢？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*、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银行个人结算账户上，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*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。

蓝海溺人 07-30 11:37

申请：、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*、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我行个人结算账户上，客户即可使用贷款资金。

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