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谁知道公积金装修带款该怎么贷？

谁知道公积金装修带款该怎么贷？

浏览：34次 | 提问时间： 08-06 09:07

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5个答案

隐形人 08-06 09:08

1、公积金装修贷款的贷款人须有本市城镇常住户口或有效居留身份2、自申请之日向前推，连续足额缴存住房公积金12个月以上（夫*都缴存公积金的只允许一人贷款）3、公积金装修贷款的申请人要有符合法律规定的购房、建房、大修自住住房的合同（协议）及有关材料4、具有一定比例的自筹资金。购买商品房、经济适用住房的，自筹资金不低于总房价的20%（购买二手房建房、大修住房的，自筹资金不低于总房价的30%）5、具有稳定的经济收入，有偿还贷款本息的能力(由所在单位出具月收入证明)6、同意用所购住房或具有完全产权的自有住房或第三人住房做抵押，或用贷款银行认可的有价证券、银行定存单进行质押，或由贷款银行认可的法人、组织或第三人提供保证。

慌拥 08-06 09:16

公积金装修贷款是使用公积金贷款用于房屋装修，享用公积金贷款利率的一种贷款产品，贷款条件：(1)申请贷款前六个月正常连续缴存本市住房公积金;(2)具有完全民事责任能力,具有本市城镇常住户口或蓝印户口(非农业);(3)具有稳定的经济收入和偿还贷款本息的能力;(4)借款人必须是大(装)修住房的产权人,与正规的装修公司签订工程实施合同;(5)借款申请人的配偶、同户直系血亲作为住房公积金共同借款人可以参与公积贷款额度计算。(6)抵押物为借款人实施个*(装)修的自住住房,并拥有个人完全产权。

趁着年轻可劲骚 08-06 09:25

是银行的都可以进行贷款装修，在银行贷款装修不需要担保人，需要用房子做抵押。一般是这样的装修贷款贷出来的钱打在装修公司帐户，利率算法分两种，商业贷款利率上浮10%，如果是公积金贷款，基准利率6.12，公积金贷款装修额要看你每个月缴的是多少，按照下面这个公式来计算贷款额度

精神领袖 08-06 09:33

(月缴存(自己每月扣的钱)/0.12-400)/73月还款

假朋友比真敌人更可怕 08-06 09:41

贷款额*73公积金贷款装修流程向当地的公积金管理中心直接申请即可，需要单位签署个人信用交存申请表(表格在公积金管理中心领)

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