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银行贷款最多多少年？流程是什么

浏览：51次 | 提问时间： 07-16 08:40
银行贷款最多多少年
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3个答案
怪我没看清 07-16 08:41

零首付就是可以全部找银行贷款现在一般都要自己付个三到四成然后向银行贷款6到7成。现在很难做到0首付了，意思是：房价100万，按规矩最多贷60万左右，但是通过高评估把房子评估到130万（约数），就可以给您贷100万了，这样你的首付就不用交了。

ゅ≈小鱼≈ゅ 07-16 08:49

购买首套房是各种优惠政策最多的，首付款只需要总房款的三成，银行贷款优惠利率可享受最高九折，以贷款50万为例，可省下5万元。建议选择商业和公积金组合贷款，两项均享有优惠利率，省钱最大化。

把他推开你却在哭 07-16 08:57

如果您是首套房贷款，那么您最多可以从银行获得房屋总价七成的贷款，这里需要注意的是，如果是二手房，那么房屋总价指的是评估价而不是市场成交价，而评估价通常要比市场价低，第二，七成贷款是您能获得的最高比例的贷款，因为目前银行贷款额度紧张，已经有部分银行将首套房贷款成数提高至六成，您在贷款时要多询问几家银行。

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