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滨州装修贷款需要具备什么条件?

浏览:37次 | 提问时间: 08-06 09:09
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3个答案
青藤忘川 08-06 09:10

银行装修贷款要求的*和条件通常如下:  1.借贷者有当地常住户口并有合法有效的*实。  2.借贷者在当地有合法稳定的收入。  3.能向贷款机构提供有效的个人资产证实、银行对账单、税务单等*。  4.对装修的房屋提供有效的购房证实、房屋*合同等。  5.满足银行规定的另外的条件。  具有良好的个人征信情况,再加上符合以上这些条件,那么申请装修贷款是不成问题的。希望帮到你

把我辜负 08-06 09:18

1、   贷款对象应是具有完全民事行为能力的自然人;2、   具有城镇常住户口或有效居留身份;3、   有稳定的职业和收入,信用良好,有按期还本付息的能力;4、   借款人及所在单位已与管理中心建立了正常的住房公积金缴存关系,及时足额连续缴存住房公积金12个月以上;5、   具有购买住房的合同或协议,借款人必须是购房合同约定的产权人,所购住房为商品住房、经济适用住房、房改房和上市已购公有住房;6、   有不低于所购住房全部价款20%的资金作为购房首期付款;7、   借款人通过*银行个人征信系统的个人信用调查;8、   借款人购买自住住房,办理现房抵押贷款时,其抵押物可以是住宅或商住房,但要求借款人对商住房抵押物必须拥有全部产权且两证齐全;9、   借款人用现房抵押购买二手房的可根据房管部门出据的房屋*契约及其它有关*办理公积金贷款;10、借款人历史上贷款连续恶意逾期超过3笔,一笔贷款累计恶意逾期超过6次的借款人不得再申请贷款。因出差、调动工作等非恶意因素造成的还款逾期可酌情放宽;11、市委、市府引进的高级技术人才贷款条件可以酌情放款。

自顾自 08-06 09:27

你好,下面是一些条款,你可以参考一下:借款申请人到银行分行各支行(以下简称贷款银行)分理处、营业部领取并填写《中国建设银行个人住房装修贷款申请表》,并向贷款银行认可的律师事务所或公证处提供如下*:(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;(四)有与装修企业签订的《北京市家庭居室装饰工程施工合同》,装修企业必须是与建设银行分行签订《合作协议》的;(五)有所装修住房的房屋所有权证或经市房屋土地管理局登记备案的租赁合同;(六)贷款银行规定的其他条件。二、调查律师事务所或公证处对借款申请人和保证人的资信状况、偿还能力以及*的真实性、合法性进行调查,在收齐上述材料   5个工作日内出具《法律意见书》或通知不符合贷款条件的借款申请人并退还其全部*。三、银行审批贷款银行接到律师事务所或公证处出具的《法律意见书》后,进行复审。四、借款申请人开户和办理保险手续贷款银行同意发放贷款后,应通知借款申请人到本行开立活期储蓄存款账户(存折、*、*),作为归还贷款的指定账户。对以抵押方式申请贷款的借款申请人,银行应指导其正确填写保险单并交纳保费。五、签订借款合同借款人持活期储蓄存折或*或*、保险单据正本到贷款银行签订借款合同。六、借款合同生效,资金划入借款人账户七、贷款额度个人耐用消费品贷款起点为   3000   元   (   含   )   。采取抵押方式担保的,抵押物须按建设银行有关规定进行价值评估  贷款额度不得超过抵押物评估价值的   70%   ;采取质押方式担保的,贷款额度最高不超过质押权利凭证价值的   90%   ;采取信用或第三方保证方式   (   保证人为自然人、法人   )   担保的,根据借款人或保证人的信用等级确定贷款额度,最高不得超过   60   万元。八、贷款期限  最短期限为半年,最长期限为   5   年   (   含   5   年   )   。九、贷款利率  按中国*银行规定的同期贷款利率执行,并可在*银行规定的范围内实行上下浮动。

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