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哪位知道房子装修能不能贷款？

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哪位知道房子装修能不能贷款？

浏览：47次 | 提问时间： 08-06 05:55

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3个答案

沾衣泪指红袖衣 08-06 05:56

你好，这个是可以的，有公积金的，可以直接到公积金管理中心申请贷款，还可直接到银行贷款，希望我的回答能够帮到你。

终是为你 08-06 06:04

您好，可以的，贷款所需*：   1.借款人的有效*、户口簿；   2.婚姻状况证明，未婚的需提供未婚证、已离婚的需出具法院民事调解书或离婚证（注明离异后未再婚）；   3.已婚需提供配偶的有效*、户口簿及结婚证；   4.借款人的收入证明（连续半年的工资收入证明或纳税凭证当地）；   5.房产的产权证；   6.担保人（需要提供*、户口本、结（未）婚证等）注意的是：   1.必须有抵押物才能贷款，而且贷款金额和贷款期间利息总和不能超过抵押物评估价值的1/2；   2.有长期稳定的足以支付每月贷款本息的收入来源；   3.担保人;   4.借款人年龄限制：男的年龄＋贷款期限不超过60岁，女的年龄＋贷款期限不超过55岁；   5.进入征信系统黑*的客户不能办理贷款；   贷款需要支付律师见证费、抵押登记费、抵押房产的保险费、房产的评估费等。   一般贷款下来要1个月左右   流程：   1.向银行提出贷款申请，   2.银行受理后，对抵押房产价值进行评估，根据评估值核定贷款金额；   3.开立个人活期存款帐户、签定借款合同等；   4.办理房地产抵押登记事宜；   5.银行放款   .

医你心事 08-06 06:13

你好，当然可以啦，对于申请无抵押无担保个人信用贷款来说，要求借款人具有稳定的工作和固定的居所；个人信用状况良好；且月收入条件不低于2000元。贷款的额度一般是月收入水平的5倍左右。符合个人信用贷款的一些基本申请条件，可以提供工作收入证明、水电煤账单以及三个月的银行工资流水账单等*向银行提出贷款申请。

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