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个人装修贷款利率怎么算？

个人装修贷款利率怎么算？

浏览：56次 | 提问时间： 08-03 05:18

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老娘是你殤不起的—人 08-03 05:19

个人借款合同中，利息条款的约定是合同的重要内容。借款人在借款合同到期后要按合同的约定支付利息，这也是借款人的主要义务。但是，实践中，对利息问题的争议比较多，涉及问题较复杂，由于生活中个人借款合同的当事人之间本身具有的特定关系及合同的复杂性，使得利息条款的约定具有一定的随意性。例如有的明确约定了利息，有的就没约定利息，有的仅仅口头约定了利息，还有的约定不明确等情况经常出现，也有人把利率约定不明作为利息约定不明来处理。事实上，“利息”是债务人向债权人支付的货币报酬，合同法规定的利息是贷款人给予借款人的一种权利。“利率”是指在一*期内贷款人付给借款人的利息数与借款数的比例。利息与利率的关系为：利息

你好吗说实话你就是条狗谁骚跟谁走 08-03 05:27

本金×天数×利率。因此，利息与利率是不同的两个概念，当事人因利率发生争议，并不必然导致利息约定不明。我国法律对利息的计算有如下规定：（一）自然人之间的借款合同对支付利息没有约定或者约定不明确的，视为不支付利息。（二）个人借款约定的利率可以适当高于银行的利率，但最高不得超过银行同类贷款利率的四倍，超过部分不受法律保护，四倍以内的属于合法利息。（三）出借人不得将利息计入本金谋取高利。（四）借款人提前偿还借款的，除当事人另有约定的以外，应当按照实际借款的期间计算利息。（五）借款双方因利率发生争议，如果约定不明，又不能证明的，可以比照银行同类贷款利率计息。此外，借款人应当按照约定的期限支付利息。除双方另有约定外，借款人应该在约定偿还借款时将利息与本金一并还给出借人。如果借款人未按照约定的期限返还借款的，应当按照约定或者*有关规定支付逾期利息。

放纵身不由己 08-03 05:35

利率是银行正常贷款和房贷是一样的

良辰好景软刺心 08-03 05:43

现无抵押装修贷款抵押有大堆担保费用等等般小银行都有无抵押担保定非要四大行除此之外贷款10 年利率6.8%基准利率 8.7%利率肯定上浮了 30%做种抵押消费贷款肯定要上浮过上浮 30%还挺多何况有抵押物建议多去几家银行比较比较人建议去广发招商深发看看比四大行利率低而且资质要求低链家地产金融部与多家银行联手向社会发放各种贷款：、按揭贷款所购房产作抵押物向银行申请信用贷款二、转按揭贷款所购按揭房产作抵押物向银行申请信用贷款三、房屋抵押贷款人名下或第三方房产作抵押物而申请贷款四、公积金贷款正缴存公积金客户申请项贷款五、无抵押信用贷款向银行提供人相关*而无需抵押任何物品贷款六、二手房交易*房屋产权过户贷款流程：提出申请、准备*、签定合同、资信审核、对提交材料进行核实(对抵押财产进行评估)、银行审批、签定合同、发放贷款→期还贷1、还款方式优化（多种还款方式任您选）；2、借款用途限（用做企业资金周转、购房、买车、装修、旅游、教育等等）；3、贷款额度大下款时间快流程短；4、提前还贷无违约金；5、贷款期限长手续快速、简便；6、银行有未还余款预先垫资；

其实我不懂英语 08-03 05:52

现在可以无抵押装修贷款，你抵押的话有一大堆担保费用等等，一般小银行都有无抵押担保的，不一定非要到四大行。除此之外，你贷款10年的利率6.8%是基准利率，如果8.7%的话利率肯定是上浮了30%，做这种抵押消费贷款肯定是要上浮的，不过上浮30%还是挺多的，何况你有抵押物。建议你多去几家银行比较比较。

纯净的天空 08-03 06:00

申请个人住房装修贷款，借款人应该为具有完全民事行为能力的自然人。除此之外，借款人还应具备以下条件：　　第一，具有城镇常住户口或有效居留身份；　　第二，具有房产权证明或由屋房屋产权单位出具的借款人拥有该房屋使用权的证明；如果你要装修的房子产权是你自己的就要有产权证，如果是单位的房子就需要由单位出你有使用权的证明。　　第三，具有稳定的职业和收入，信用良好，有按期偿还贷款本息的能力。”　　装修贷款中特殊要求是：要有与经有关部门批准的装饰装修企业签定的住房装修合同、装修概算书及相关*；还要有不少于装修总预算30％的自有资金，并在使用贷款前投入项目建设。”　　借款人应提交以下*：　　（一）合法的身份*（居民*、户口本或其他有效居留*）原件及复印件；　　（二）有借款人姓名的房屋产权证明或房屋使用权证明；　　（三）由单位开的经济收入证明；　　（四）住房装修工程施工合同；　　（五）抵押物产权证明、质物清单、有处分权人同意抵押或质押的证明文件和抵押物估价报告；　　（六）保证人同意提供担保的书面文件及保证人的资信证明；　　（七）在我行已办理个人住房贷款的借款人还应提供《个人住房贷款合同》的复印件。”　　贷款利息；　　贷款期限最长不超过5年。贷款利率按照中国*银行规定的期限利率执行。也就是5年以下（含5年），贷款年利率为4.77％。”

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