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10秒装修报价 装修要花多少钱?获得精准报价,省钱30%
168211
元
材料费:77201元
人工费:86544元
设计费:1760元
质检费:2706元
目前,很多购房者也会把目光放在二手房上,,向贷款机构申请二手房按揭贷款的现象也越来越普遍,不过,申请二手房按揭贷款想要成功获贷并不那么容易,申请二手房按揭贷款要知晓的三件事。
1、二手房的贷款利率比一手房贷款利率高。
2、二手房办理时,卖方一切权人需要全部同意才可出卖。若有一方不同意,都不可以。
3、二手房贷款,不仅对借款人有一定的要求,对房子也是有要求的。若房龄很老的房子,通常是不能办贷款的。此外,办理二手房按揭贷款,多数贷款机构只受理房龄在20年以内的房产,,借款人在办理贷款前,还需要提前详细咨询了解。
苏州首套房贷款依照房屋类型分为一手房和二手房,贷款方式分为商业贷款与公积金贷款,一手房贷款现在最高额度是房产价值的七成,二手房则为五成上下,也就是说一手房贷款首付至少需要三成以上,而二手房首付则需要五成以上,部分银行需要六成上下,商业贷款买房利率五年以下是6.9%,五年以上是7.05,住房公积金贷款利率五年以上是4.9%
银行对二手房贷款年限的规定:
一、已使用年限和贷款年限综合不能超过30年;
二、贷款房屋房龄不能太老,否则不予办理贷款;
三、贷款期限借款人实际年龄之和不得超过60周岁。二手贷款流程:双方确定贷款方案(可以使用商业贷款、公积金贷款、组合贷款等不同方式)--签订房屋买卖合同--准备贷款资料,审核资质--签订贷款协议--银行放款。