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房屋装修合同贷款手续是怎样的？

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房屋装修合同贷款手续是怎样的？

浏览：40次 | 提问时间： 06-23 02:57

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2个答案

逗比别闹回来吃药 06-23 02:58

房屋装修合同贷款手续是：1.贷款人必须拥有本市城镇的常住用户的户口或是有效的居留身份。2.自从申请之日的时候，就要往前推，联系的足额缴存住房公积金12个月以上。注意：需要夫妻两人都缴存公积金，但是只允许其中一人贷款。3.必须有符合法律规定的购房、建房、或者是大修自住住房的合同或者是协议或者是有关的材料。4.具有一定的比例自筹资金;如果是购买商品房、经济适用房的人们，自筹资金要不低于总房价的百分之二十，而购买二手房或者是建房、大修住房的，自筹资金要不低于总房价的百分之三十。5.具有比较稳定的经济收入，具备偿还贷款本息的能力。注意：需要有所在的单位出具月收入证明。6.同意用所的购房或者是完全产权的自有房或者是第三人住房作为抵押，或是但看银行认可的有价证券、银行的定期存单进行抵押，或是由贷款银行认可的法人、认可的组织或是第三方进行提供保证。

果然蠢 06-23 03:07

你好！贷款人申请装修贷款，一般要向银行提供如下材料:1、有效身份证、居委会开具的常住户口证明，证明自己的身份和固定住所;2、单位出具的职业和个人收入证明、连续六个月及以上稳定工作证明(或者自己提供近几个月的工资流动账单)，证明自己的还款能力;3、房产证(抵押贷款需要)，用于房产抵押;4、银行存款对账单、水电等税单证明，证明自己的信用品质;5、与装修企业签订的《装修工程合同》、《购买装修材料合同》等材料，证明贷款用途;6、装修企业的营业执照和资格证书复印件，证明合作商是否在指定范围内;

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