array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(24) "有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1600480951" ["tagid"] => int(1426185) ["id"] => string(7) "1426185" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503959512055830) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1426185" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1426185" } [1] => array(11) { ["tagname"] => string(27) "有什么需要注意的吗" ["inlink"] => int(0) ["addtime"] => string(10) "1600480630" ["tagid"] => int(1382820) ["id"] => string(7) "1382820" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503957970649101) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1382820" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1382820" } [2] => array(11) { ["tagname"] => string(30) "有什么需要注意的事项" ["inlink"] => int(0) ["addtime"] => string(10) "1600480630" ["tagid"] => int(1384741) ["id"] => string(7) "1384741" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503958031466513) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1384741" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1384741" } [3] => array(11) { ["tagname"] => string(30) "装修有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1600480298" ["tagid"] => int(1333083) ["id"] => string(7) "1333083" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503956286636038) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1333083" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1333083" } [4] => array(11) { ["tagname"] => string(33) "居家还有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1600480755" ["tagid"] => int(1415576) ["id"] => string(7) "1415576" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503959030759460) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1415576" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1415576" } [5] => array(11) { ["tagname"] => string(36) "卧室装修有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1604110575" ["tagid"] => int(4000681) ["id"] => string(7) "4000681" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504047297789969) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/4000681" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/4000681" } [6] => array(11) { ["tagname"] => string(36) "春季装修有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1600480298" ["tagid"] => int(1325638) ["id"] => string(7) "1325638" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503956051755014) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1325638" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1325638" } [7] => array(11) { ["tagname"] => string(42) "玄关镜子风水有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1599530139" ["tagid"] => int(1186464) ["id"] => string(7) "1186464" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950567702531) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1186464" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1186464" } [8] => array(11) { ["tagname"] => string(33) "买窗帘有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1198602) ["id"] => string(7) "1198602" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950949384202) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1198602" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1198602" } [9] => array(11) { ["tagname"] => string(36) "地柜阳台有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1599534201" ["tagid"] => int(1250057) ["id"] => string(7) "1250057" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952727769115) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1250057" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1250057" } [10] => array(11) { ["tagname"] => string(42) "南充酒店装修有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1599530139" ["tagid"] => int(1189938) ["id"] => string(7) "1189938" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950675705887) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1189938" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1189938" } [11] => array(11) { ["tagname"] => string(42) "晋江酒店装修有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1599530139" ["tagid"] => int(1190190) ["id"] => string(7) "1190190" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950684094482) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1190190" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1190190" } [12] => array(11) { ["tagname"] => string(36) "装修有什么需要注意的客厅" ["inlink"] => int(0) ["addtime"] => string(10) "1606727762" ["tagid"] => int(5901943) ["id"] => string(7) "5901943" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504111157116962) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/5901943" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/5901943" } [13] => array(11) { ["tagname"] => string(36) "装修衣柜有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1606727814" ["tagid"] => int(6018179) ["id"] => string(7) "6018179" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504115561136159) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6018179" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6018179" } [14] => array(11) { ["tagname"] => string(36) "住房装修有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1603354914" ["tagid"] => int(2955958) ["id"] => string(7) "2955958" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504012840534020) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/2955958" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/2955958" } [15] => array(11) { ["tagname"] => string(42) "公司装修弱电有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1603354953" ["tagid"] => int(3027160) ["id"] => string(7) "3027160" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504014939783180) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/3027160" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/3027160" } [16] => array(11) { ["tagname"] => string(39) "卧室装修有什么需要注意的吗" ["inlink"] => int(0) ["addtime"] => string(10) "1604110575" ["tagid"] => int(4000682) ["id"] => string(7) "4000682" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504047297789970) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/4000682" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/4000682" } [17] => array(11) { ["tagname"] => string(39) "装修榻榻米有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1606727762" ["tagid"] => int(5927417) ["id"] => string(7) "5927417" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504112935501828) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/5927417" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/5927417" } [18] => array(11) { ["tagname"] => string(39) "院子风水学有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1599530139" ["tagid"] => int(1183172) ["id"] => string(7) "1183172" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950462844932) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1183172" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1183172" } [19] => array(11) { ["tagname"] => string(39) "瓷砖选择上有什么需要注意的" ["inlink"] => int(0) ["addtime"] => string(10) "1599530139" ["tagid"] => int(1185480) ["id"] => string(7) "1185480" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950536245263) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1185480" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1185480" } } ["counts"] => int(3753776) ["pagecount"] => float(187689) }

当前位置：首页>

装修问答

其他

装修住房贷款有什么需要注意的？

装修住房贷款有什么需要注意的？

浏览：38次 | 提问时间： 08-06 11:33

分享到：

3个答案

不折不扣的苯孩纸 08-06 11:34

流程如下：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资料；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。条件如下：1、具有本市城镇常住户口或有效居留身份；2、具有稳定的职业和经济收入，信用良好，有偿还贷款本息的能力；3、具有购买住房行为或拥有自有住房；4、持有装饰工程或购买装饰产品合同；5、有银行认可的作为抵(质)押的资产，或有具备足够代偿能力的单位或个人作为承担连带责任的保证人；6、愿意接受银行提出的其他合理要求。1、个人住房装修贷款是银行向借款人发放的用于自有住房装修的贷款。这里所说的住房装修，是指使用装饰装修材料对住房进行修饰和*处理的工程活动，也就是说房产必须是自己的。 2、房屋装修贷款中的特殊要求是：要有经有关部门批准的装饰装修企业所签定的住房装修合同、装修概算书及相关*;部分银行也要求业主有不少于装修总预算30%的自有资金，并在使用贷款前投入项目建设。 3、贷款最长期限不超过五年且不办理展期; 4、单笔贷款不超过装修预算工程款的70%，质押贷款的最高比例不超过本人储蓄存款的80%; 5、拟用于装修或抵押的房屋必须质量合格，产权明晰，不在拆迁公告范围内; 6、拟用于装修或抵押的房屋的楼龄(即房屋已使用年限)不超过15年; 7、借款人的年龄加上贷款期限，男士不超过65周岁，女士不能超过60周岁; 8、如遇*利率调整，以最新基准利率为准。

爱是一万公顷森林 08-06 11:42

需要注意如下5个问题： 1、不良记录者无法贷款若申请贷款人因某些原因，不管是有心还是无意，只要上了银行业征信的黑*，那么不管采用哪种方式，都不能从银行成功的贷款； 2、没有房权证的房屋不能贷款即使有很多房地产资产。

开始懂了 08-06 11:51

1、个人住房装修贷款是银行向借款人发放的用于自有住房装修的贷款。这里所说的住房装修，是指使用装饰装修材料对住房进行修饰和*处理的工程活动，也就是说房产必须是自己的。　　2、房屋装修贷款中的特殊要求是：要有经有关部门批准的装饰装修企业所签定的住房装修合同、装修概算书及相关*;部分银行也要求业主有不少于装修总预算30%的自有资金，并在使用贷款前投入项目建设。　　3、贷款最长期限不超过五年且不办理展期;　　4、单笔贷款不超过装修预算工程款的70%，质押贷款的最高比例不超过本人储蓄存款的80%;　　5、拟用于装修或抵押的房屋必须质量合格，产权明晰，不在拆迁公告范围内;　　6、拟用于装修或抵押的房屋的楼龄(即房屋已使用年限)不超过15年;　　7、借款人的年龄加上贷款期限，男士不超过65周岁，女士不能超过60周岁;　　8、如遇*利率调整，以最新基准利率为准。

装修问答

其他

装修住房贷款有什么需要注意的？

最新问题

相关搜索

最新推荐

装修住房贷款有什么需要注意的？