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个人装修贷款申请条件有哪些？

个人装修贷款申请条件有哪些？

浏览：49次 | 提问时间： 06-23 02:57

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如若我在你心上 06-23 02:58

你好，基本走的是消费贷，有的可以是芝麻信用贷款，但是这样的费率比较高，还有一些人品贷款，不走征信的，也是不太安全的，正规消费贷是你有工作，然后在当地缴纳社保，最好还要有当地的住房公积金，这样下来的贷款，利率就比较低了，希望对你有所帮助哦。

初拥Angela 06-23 03:06

个人房屋装修贷款申请条件：　　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证件，有固定居所;　　2、有稳定的职业和经济收入或易于变现的房产申请房产抵押贷款　　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、在银行开有活期储蓄存款帐户;　　5、提供银行认可的担保;　　6、符合银行要求的另外的条件。个人房屋装修贷款申请资料(一) 合法的身份证件(居民身份证、户口本或其他有效居留证件)原件及复印件;(二) 有借款人姓名的房屋产权证明或房屋使用权证明;(三) 由单位开的经济收入证明;(四) 住房装修工程施工合同;(五) 如果是抵押贷款，需有抵押物产权证明、质物清单、有处分权人同意抵押或质押的证明文件和抵押物估价报告;(六) 保证人同意提供担保的书面文件及保证人的资信证明;

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个人装修贷款申请条件有哪些？