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申请长沙房屋装修贷款需要什么条件？

申请长沙房屋装修贷款需要什么条件？

浏览：54次 | 提问时间： 08-10 04:06

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3个答案

没有人 08-10 04:06

1、年满十八周岁至六十周岁，具有完全民事行为能力的中国公民；　　2、有当地常住户口或有效居住身份*，装修的房屋是自用住房；　　3、有稳定、合法的收入来源，有按期偿还贷款本息的能力；　　4、能够提供本行认可的担保方式：抵押物：以房地产作为抵押物；　　质押物：有价证券(包括*债券、金融债券和AA*企业债券等)或建行签发的个人定期储蓄存单；　　保证人：有足够担保能力的企业法人或具有当地常住户口的公民(*行政机关、事业单位、经济管理部门和金融企业正式职工，并与借款人为非夫*关系)；　　5、在银行网点开立活期储蓄帐户。　　个人住房装修贷款(工商银行)　　是工商银行向个人发放的，用于自有住房装修的*币贷款。该种贷款在全行推出，借款人必须提供有效的质押、抵押或第三方保证担保。个人住房装修贷款金额原则上不超过15万元，并且不超过装修工程总费用的70%。贷款期限最长不超过5年，还款方式比照个人住房担保贷款执行。

说不痛是假的 08-10 04:15

1.申请按揭贷款的基本条件：(1)必须年满18周岁，具有完全民事行为能力的自然人;(2)有稳定的经济收入，信用记录良好，有偿还贷款本息的能力，并提供真实可信的收入证明文件;(3)申请贷款的年限加现有年龄之和不超过60岁;(4)按揭房产有共有人的，必须确定其中一方作为申请贷款的主申请人，且主申请人必须具备以上条件，其他共有人作为抵押人，共同办理抵押登记有关手续;(5)按揭房产已使用年限和按揭年限之和一般不超过30年;(6)借款人与售房人签定《房地产*合同》，并支付不低于房价30%的首期购房款;(7)银行规定的其他条件。

曾付出 08-10 04:23

还是比较简单的，基本条件：年满25周岁，有稳定的工作单位，在现单位连续工作满3个月（部分客户需6个月），平月月收入不低于4000元，信用记录良好，满足以上这些基本条件就可以申请住房装修贷款即无抵押个人信用贷款（新一贷）。

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