装修贷款怎么办理？能够贷款多少钱？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">不管是精装房还是毛坯房，收房之后，都<span style="color: black;">必须</span>面临装修的问题。而装修最大的问题<span style="color: black;">常常</span><span style="color: black;">便是</span>资金不足，延后装修、借钱、申请装修贷等都是<span style="color: black;">处理</span>装修资金问题的<span style="color: black;">方法</span>，<span style="color: black;">非常多</span>人会<span style="color: black;">选取</span>直接向银行申请装修贷。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">那样</span>，装修贷款怎么贷？<span style="color: black;">能够</span>贷款多少？今天小八特意给<span style="color: black;">大众</span>讲解<span style="color: black;">关联</span>知识。全文干货满满，<span style="color: black;">期盼</span>能给<span style="color: black;">大众</span>带来<span style="color: black;">必定</span>的<span style="color: black;">帮忙</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q9.itc.cn/q_70/images01/20240527/1c1a1872157c40f89a6053a6ca902c5e.png" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">1、</span>装修贷款怎么贷？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、申请人向银行网点提出办理申请；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、申请人向银行提交<span style="color: black;">关联</span>资料，<span style="color: black;">包含</span>有效身份证，房产证或房产预售合同，部分银行<span style="color: black;">必须</span><span style="color: black;">供给</span>代发工资流水或收入证明；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、银行审核客户资质，<span style="color: black;">签定</span>贷款合同；3-7个工作日会出审批结果，<span style="color: black;">经过</span>短信<span style="color: black;">通告</span>到申请人；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4、审批放款，寄送申请人名下专属家装分期卡，<span style="color: black;">就可</span>激活<span style="color: black;">运用</span>；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">5、借款人按期还款<span style="color: black;">就可</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2、</span>装修贷款<span style="color: black;">能够</span>贷款多少？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">各大银行装修贷的政策<span style="color: black;">区别</span>，装修贷申请的最高金额则是100万元。<span style="color: black;">一般</span><span style="color: black;">来讲</span><span style="color: black;">因为</span><span style="color: black;">区别</span>的银行申请装修贷款的<span style="color: black;">要求</span>各有所<span style="color: black;">区别</span>，<span style="color: black;">因此呢</span>，关于<span style="color: black;">详细</span>能申请到多少金额，需结合业主的资质及其银行的政策来判断。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">通常</span><span style="color: black;">来讲</span>，都能贷15-20万<span style="color: black;">上下</span>，大<span style="color: black;">都数</span>业主的<span style="color: black;">要求</span>都能达到这个额度。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（1）房产属性</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span>你的综合资质比较好，房产估值<span style="color: black;">亦</span>比较高，<span style="color: black;">那样</span>毛坯房最高<span style="color: black;">能够</span>贷100万元，精装房最高<span style="color: black;">能够</span>贷50万元（建行最高可贷100万元），局部装修最高<span style="color: black;">能够</span>贷50万元。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（2）个人征信</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">银行<span style="color: black;">必须</span><span style="color: black;">认识</span>借款人的信用<span style="color: black;">状况</span>，看其有<span style="color: black;">无</span>逾期还款的记录，从中能<span style="color: black;">认识</span>到借款人的还款意愿。若有“连三累六”逾期<span style="color: black;">状况</span>，银行<span style="color: black;">通常</span>不予办理贷款。若有短期、少次的逾期<span style="color: black;">状况</span>，银行可能会适当降低贷款额度。若借款人信用记录良好，银行<span style="color: black;">亦</span>就<span style="color: black;">安心</span>批贷了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（3）个人年龄</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">年龄<span style="color: black;">亦</span>是影响贷款额度的一大<span style="color: black;">原因</span>，年纪较小<span style="color: black;">或</span>是<span style="color: black;">很强</span>的申请贷款的额度就会稍微低<span style="color: black;">有些</span>，<span style="color: black;">一般</span>贷款最好的年龄是25—40周岁。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（4）收入与负债<span style="color: black;">状况</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">负债比<span style="color: black;">不可</span>过高，<span style="color: black;">一般</span>大于70%的负债，申请被拒的可能性就会比<span style="color: black;">很强</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">区别</span>银行<span style="color: black;">需求</span>会有<span style="color: black;">有些</span>差异，有些银行<span style="color: black;">需求</span>负债比<span style="color: black;">不可</span>超过80%。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">负债率<span style="color: black;">便是</span>当月负债总额与月收入之间的比例。在相同的月收入下，负债越高，负债率就会越高。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span>负债过高，贷款被拒就会有很大的可能，但不是说<span style="color: black;">必定</span>会被拒，<span style="color: black;">由于</span>银行除了看负债率还会看申请人的收入<span style="color: black;">状况</span>，<span style="color: black;">亦</span><span style="color: black;">便是</span>还款能力。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span>借款人资质<span style="color: black;">要求</span>良好，例如名下还有房产、车产、有价证券、保单等<span style="color: black;">增多</span>其还款能力，<span style="color: black;">那样</span>银行<span style="color: black;">亦</span>是有可能给借款人放款的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（5）<span style="color: black;">区别</span>银行</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">区别</span>银行<span style="color: black;">针对</span>装修贷的申请<span style="color: black;">需求</span>、审核<span style="color: black;">需求</span>、能申请的额度都是<span style="color: black;">区别</span>的，<span style="color: black;">倘若</span>一家银行可申请额度低，<span style="color: black;">能够</span>到另一家银行提交申请。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此呢</span>，关于装修贷款<span style="color: black;">能够</span>申请多少钱需结合贷款人的资质、房产的属性及其银行政策来进行判断。</p>
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