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武汉房屋装修贷款流程是什么

浏览:38次 | 提问时间: 08-06 11:47
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3个答案
交际屎 08-06 11:48

1
填写个人住房装饰装修贷款申请表。
2
提供有效*及复印件(居民*、户口本和其他有效居留*)。
3
家庭装饰装修工程合同书
4
银行认可的经济收入的证明
5
提供房屋产权*或房屋*合同或商品房预售契约。
6
抵押担保*:抵押物清单、权属证明文件(产权人的抵押承诺书)、抵押物估价报告。
7
最后等待银行审批
仅供参考哦

那些小感动氧 08-06 11:56

借款人的具体条件   
1.十八周岁至六十周岁,有当地常住户口或有外地户口但有本地有效居住*,有固定居所;   
2.具有稳定的职业和经济收入或易于变现的资产;   
3.有与装修企业签定的《家庭装修工程合同》,或《购买家庭装修材料合同》、《购买厨卫设备合同》,以及家庭装修预算书;   
4.在建设银行开有活期储蓄存款帐户;
5.提供建设银行认可的担保;   
6.符合建设银行要求的其他条件。   借款额度   借款人借款金额不低于*币5000元(含5000元),最高贷款额不超过*币15万元(含15万元)。   贷款期限   最短为半年,最长不超过5年(含5年)。   

贷款利率   按中国*银行规定的同期贷款利率执行。

借款人应提供的*   
*借款人填写《中国建设银行个人住房装修贷款申请书》,并提供如下*:   
*居民身份*(*、户口簿、*人证或其他有效身份*)等*的原件和复印件;   
*个人收入证明(单位出具的收入证明、工资单、纳税单、可用于还款的本行储蓄存单等);   
*与装修企业签订的《家庭装修工程合同》、《购买家庭装修材料合同》、《购买厨卫设备合同》,以及家庭装修预算书;   
*装修企业的营业执照和资格*复印件;   
*抵押物、质押物及权利凭证清单的权属证明和有处分权人同意抵押、质押的证明;抵押物必须提交所有权或使用权*、估价、保险文件;权利质物还须提供权利凭证;保证人同意保证的文件;   
*贷款银行要求的其他材料.担保的方式与具体要求   借款人向建设银行申请个人住房装修贷款必须提供有效担保。担保可以采取抵押、质押、保证的方式。   
*借款人以自有财产或第三人自有财产进行抵押的,建设银行要与借款人或第三人签订《抵押合同》;抵押物必须评估,并办理抵押登记手续。   
*(二)借款人以自己或者第三人的符合规定条件的权利凭证进行质押的,建设银行要与借款人签订《质押合同》,可以质押的权利凭证包括:   
1.有价证券。包括*债券、金融债券和AAA企业债券;   
2.建设银行出具的储蓄存单;   
3.建设银行认可的其它资产。   贷款期限不长于质押权利的到期期限。    
*借款人以保证方式提供担保的,保证是连带责任的保证,建设银行要与保证人签订《保证合同》。保证人必须是法人、其它经济组织或公民。    
*未经贷款银行同意,抵押期间借款人(抵押人)不得将抵押物转让、出租、*、馈赠或再抵押。

在抵押期间,借款人有维护、保养、保证抵押品完好无损的责任,并随时接受贷款人监督检查。   贷款的流程示意图说明   
1.借款人选定装修企业,并与装修企业签订《家庭装修工程合同》、《购买家庭装修材料合同》、《购买厨卫设备合同》,以及家庭装修预算书;   
2.借款人向建设银行申请个人住房装修贷款;   
3.建设银行对借款人提供的*进行审查。   
4.同意借款人贷款的,办理有关手续;将贷款资金划转借款人   个人帐户;   
5.借款人支付装修款;   
6.借款人按期偿还贷款。   贷款偿还的规定 *贷款期限在1年以内(含1年)的,实行到期一次还本付息,利随本清;    
*贷款期限在1年以上的,借款人从贷款支用的次月起采取按月等额偿还贷款本息的方式,计算公式如下:   *借款人提前归全部还贷款本息,应当提前15天通知贷款银行,已计收的利息不随期限、利率变化而调整的。

二次元的世界多美好你不造 08-06 12:05

武汉房屋装修贷款流程
1、*双方签订房屋*合同,约定首付款、贷款和尾款的金额;   
2、购房人及配偶当面向银行申请贷款,售房人及配偶到场确认;   
3、银行对贷款申请进行调查、审批;   
4、购房人与银行签订借款及担保合同;
  5、售房人将房屋产权过户给购房人,售房人向购房人取得首付款;   
6、购房人与银行办理房产抵押登记(或由其他自然人、法人为购房人提供阶段性担保);
7、银行向售房人账户发放贷款;   
8、*双方办理房屋物业结清,售房人向购房人取得尾款;   
9、购房人收房,按月还款(阶段性担保情况下,购房人与银行补办房产抵押登记)

保障