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请问公积金可以装修贷款吗？

请问公积金可以装修贷款吗？

浏览：58次 | 提问时间： 08-06 09:27

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海依然蓝你却离我千里呵 08-06 09:27

你好，可以的，不过是有一定条件的，，具体条件如下：(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。

东方不败的爱你伤不起 08-06 09:36

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，希望能够帮到你。

谋 08-06 09:44

可以办理流程如下：1申请。到公积金管理中心领取《住房公积金装修贷款申请审批表》按表填写并准备相关材料，确定贷款金额；2审批。住房公积金管理中心对提交上来的申请进行审批，其中最重要的就是要审批装修合同及各类*的真实性。3 签订贷款合同。住房公积金管理中心审批同意后，通知借款人与银行签订借款合同。并办理合同公证、抵押物保险等相关手续。4担保。确定担保物、担保人等。5银行放款。6按月还款。

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