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有谁清楚回迁房装修能贷款吗_其他_设计456问答
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有谁清楚回迁房装修能贷款吗

浏览：65次 | 提问时间： 07-10 09:19
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3个答案
此账号已封 07-10 09:20

你好很高心回答你的问题 这要看你的房子有无房产证和土地使用证了，两证齐全的房子是可以的，土地使用证是出让土地更好。还需要你的个人信用无不良记录，还有银行流水等一些情况。希望我的回答可以帮助到你

天琊 07-10 09:28

你好，这个要根据具体情况而定，如果是买的回迁房五证齐全就可以贷款！回迁房可以贷款的，前提是必须拿到房产证，仅有回迁证是不能贷款的。无论是银行贷款还是民间贷款，回迁房的价值评估一般不会太高。希望我的回答对你有帮助。

人潮似海 07-10 09:37

个人住房抵押贷款的抵押物一般要求为普通商品房。政策性住房及已购公房由于涉及再上市的税费不缴等政策限制，一般银行不接受以此进行抵押。而回迁房办理抵押贷款需要进行个案界定，如房主必须出示回迁协议来证明该回迁房性质是否受到政策限制，银行才会再根据房主提供的其他材料来办理后续贷款手续。另外各银行就住房抵押贷款一般执行基准利率，但一些外资银行就贷款人的综合条件考量，在利率上会有所优惠。

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