array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(39) "请问一下刮腻子都有哪些工序" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1198591) ["id"] => string(7) "1198591" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950948335648) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1198591" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1198591" } [1] => array(11) { ["tagname"] => string(42) "请问一下家装风格种类都有哪些" ["inlink"] => int(0) ["addtime"] => string(10) "1606814506" ["tagid"] => int(6266666) ["id"] => string(7) "6266666" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504123904655363) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6266666" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6266666" } [2] => array(11) { ["tagname"] => string(63) "请问收房费用都有哪些，有谁清楚可以说一下吗" ["inlink"] => int(0) ["addtime"] => 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int(99) ["_version_"] => int(1703503952335601694) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1238419" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1238419" } [5] => array(11) { ["tagname"] => string(39) "请问一下燃气炉供暖费用低吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534257" ["tagid"] => int(1256077) ["id"] => string(7) "1256077" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952921755672) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1256077" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1256077" } [6] => array(11) { ["tagname"] => string(72) "请问验房要注意什么，有谁比较了解可以具体说一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1211562) ["id"] => string(7) "1211562" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951388737539) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1211562" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1211562" } [7] => array(11) { ["tagname"] => string(24) "装修都有哪些具体" ["inlink"] => int(0) ["addtime"] => string(10) "1606727864" ["tagid"] => int(6061069) ["id"] => string(7) "6061069" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504116817330209) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6061069" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6061069" } [8] => array(11) { ["tagname"] => string(60) "请问一下什么是云电视，云电视都有哪些功能" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1215981) ["id"] => string(7) "1215981" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951540781077) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1215981" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1215981" } [9] => array(11) { ["tagname"] => string(45) "请问一下儿童房装修原则都有哪些" ["inlink"] => int(0) ["addtime"] => string(10) "1606814506" ["tagid"] => int(6266656) ["id"] => string(7) "6266656" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504123903606812) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/6266656" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/6266656" } [10] => array(11) { ["tagname"] => string(78) "请问一下哪位清楚什么是初始产权证明能不能具体说一下。" ["inlink"] => int(0) ["addtime"] => string(10) "1599534201" ["tagid"] => int(1238068) ["id"] => string(7) "1238068" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952323018773) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1238068" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1238068" } [11] => array(11) { ["tagname"] => string(24) "请问装饰具体位置" ["inlink"] => int(0) ["addtime"] => string(10) "1606814506" ["tagid"] => int(6268711) ["id"] => string(7) "6268711" ["depart"] => string(1) "0" ["updatetime"] => int(0) 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请问购房贷款费用都有哪些？具体列举一下

请问购房贷款费用都有哪些？具体列举一下

浏览：40次 | 提问时间： 06-30 10:56

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迷情queen 06-30 10:57

请问买房贷款注意事项？最近想买套房子，大概60-70平方的小户型，想问下如何贷款，需要注意那几个地方的吗？方法/步骤1要注意家庭的经济承受能力，建议夫妻双方一人的经济承担房贷，一人的经济开支生活，这样是最好的，过高的贷款额度会影响生活品质。2贷款分纯公积金，纯商贷，组合型三种。有条件的最好选择纯公积金贷款，利率低非常多，而且还款可以直接公积金抵扣，方便。不过公积金贷款要求也相对高，根据你每月缴纳的额度申请贷款额度，而且需要房子是有年限的，有些老的二手房不予贷。商业贷款条件相对宽。3选择什么银行贷款取决于很多方面，一般选择利率优惠最高，又有一定实力的大银行。4购房贷款需要银行的个人信用非常好，有稳定的收入，到时需要提供每月还款额度至少双倍的公司盖公章的收入证明。5还款方式有很多种，等额还款，等额本金还款等，贷款年限最高30年，二手房的贷款年限根据建造时间算，有些二手房贷款年限是很少的，要问清楚银行。6贷款买房还要注意一点就是你申请的贷款额度银行审批需要多久才能放款，急于买房的最好要问清楚银行，碰上银行资金紧张等一年的都有。如果两个人都有住房公积金的话，可以拿出另外一个人的公积金来贷款，这样可以减轻家里的压力跟负担，资金还可以周转，手上就有更多剩余的钱，投资其他地方。用住房公积金的话，利息还会相当的少，以上信息是个人建议，仅供参考！

五行缺智商 06-30 11:05

住房贷款(home??loan)是银行及其他金融机构向房屋购买者提供的任何形式的购房贷款支持，通常以所购房屋作为抵押。住房贷款分为公积金贷款和商业贷款两种。按还款方式又分为等额本息还款方式和等额本金还款方式两种。银行开办的住房贷款品种主要有企业类和个人类两大类。消费贷款也叫消费者贷款，主要指的是用于留学贷款、房屋装修、购买耐用品乃至买车等方面的个人贷款，从种类上看，消费贷款包括住宅抵押贷款、非住房贷款和信用卡贷款。具有消费用途广泛、贷款额度较高、贷款期限较长等特点。

影子徒留 06-30 11:13

金皖尚品装饰很高兴为您解答银行为了转嫁贷款风险，引入担保公司为购房贷款人进行贷款业务的担保服务，担保公司会按贷款人申请额度的1-2%收取担保费用。在我们这里，大多品种的贷款特别是购房贷款不需要担保的做法，只有个别品种的贷款，银行为了防范风险，要求担保公司做担保服务。

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