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请教下邮政银行装修贷款应该怎么办理？

请教下邮政银行装修贷款应该怎么办理？

浏览：44次 | 提问时间： 08-06 05:02

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枯守青灯 08-06 05:02

签订房产*合同→提交贷款申请→银行调查审批→签订贷款合同→办理房产过户→落实贷款担保条件→银行发放贷款→借款申请人按月还款。
申请*
*、婚姻状况证明、户口本、职业与收入证明、房屋*合同、首付款证明、中国邮政储蓄银行个人结算账户（存折）；
由其他自然人（或法人）为购房人提供保证担保的，担保人应经过银行审核（或准入），并根据银行要求提供相关证明*；

我懂你的谁心伤 08-06 05:11

你好，首先，到邮政银行提出装修贷款申请，填写申请表，咨询需要准备的*;
其次，提交邮政银行装修贷款*，银行进行审核;
再次，若审核通过，邮政银行将于借款人签订装修贷款合同，若办理的是抵押贷款还应办理抵押登记手续;
最后，银行发放贷款，申请人按合同约定进行还款;

容易感动容易把路人当友人 08-06 05:19

满足以下条件：
（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；但有限额，限额量根据你的财产和收入
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*、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；
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.

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请教下邮政银行装修贷款应该怎么办理？