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请问以装修名义贷款如何办理？

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请问以装修名义贷款如何办理？

浏览：93次 | 提问时间： 08-06 09:07

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3个答案

爱情也许没有想象的永远≈ 08-06 09:08

（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）   如果是抵押贷款，需有抵押物产权证明、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；

終究不是我陪你到最後 08-06 09:16

以装修名义贷款办理方法：　         1、借款申请人向银行提出借款申请时需填写《个人住房装饰借款申请书》。同时向银行交验有关证明和*；　　2、银行对借款人交验的有关证明和*的真实性、合法性及资信程度审查认可后，承诺贷款。借款申请人据此与装饰公司或装饰产品销售商签订装饰工程合同或装饰产品订货合同，并将合同正本提交银行。　　3、借贷双方签订《个人住房装饰借款合同》和相应的担保合同。以住房作抵押的借款人应办理《个人住房抵押合同》的公证，抵押住房保险和房地产抵押登记手续。　　4、本行办妥借款担保手续或收押《房地产其他权利证明》后办理放款手续；　　5、银行受借款人委托，按借款合同约定的时间，以支付装饰用款名义将贷款资金以转账方式划至装潢公司或销售装饰产品单位在银行开立账户。

夏尽 08-06 09:25

装修名义贷款办理方法个人住房装修贷款可以与所配套个人住房贷款同时申请，也可以单独申请。同时申请:在同时申请时，申请*、业务流程及相关要求与所配套个人住房贷款保持一致;同时申请时，可以暂不提供装修合同。但贷款发放前，必须要求客户提供与装修公司或开发商签订的装修合同或协议;自然人保证担保的，参照借款申请人的*要求提供保证人*明*、收入或资产证明*。单独申请:对在我行已办理个人住房贷款且住房贷款尚未结清的客户，可以单独申请办理个人住房装修贷款。单独申请个人住房装修贷款申请*、业务流程及相关要求与所配套个人住房贷款保持一致。单独申请个人住房装修贷款时，必须在贷款申请时同时提供与装修公司签订的装修合同或协议。

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