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房子抵押贷款可以贷多少钱？需要什么条件

房子抵押贷款可以贷多少钱？需要什么条件

浏览：62次 | 提问时间： 07-20 04:07

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牵绊 07-20 04:08

不能的公积金贷款应该要自己买房子，需要房子的抵押权证的！是不能帮别人贷的,购房合同是可以到银行去贷款的！

万般好 07-20 04:24

中国银行的个人消费贷款是依照个人客户的信用问题和客户提供的我行认可的抵押物情况，为其提供的用于消费用途的贷款产品。如您使用房屋抵押办理，贷款限额分为额度限额和单笔用款金额。
一、额度限额：个人抵押消费贷款应从以下两个维度分别进行测算，并以较低者核定额度，且额度不超过1000万：
1、收入水平额度期限在一年（含）以内的，原则上不超过借款人家庭年收入的2倍，最高不超过年收入的3倍。额度期限在一年以上的，按照额度期限计算客户家庭的偿债收入比，确保其家庭的月收入扣除当地家庭平均生活成本后,至少能够覆盖所有一年以上债务每月应偿还的本息和。
2、抵押率
（1）抵押率应满足以下条件：住房：抵押物房龄在10年（含）以下的，抵押率最高不超过70％；抵押物房龄在10年以上20年（含）以下的，抵押率最高不超过60％；抵押物房龄在20年以上的，抵押率最高不超过50％。商业用房：抵押物房龄在10年（含）以下的，抵押率最高不超过50％；抵押物房龄在10年以上20年（含）以下的，抵押率最高不超过45％；抵押物房龄在20年以上的，抵押率最高不超过40％。各机构应结合当地市场的房屋价格水平，房地产市场走势等，合理评估抵押物价值。
（2）依照以前的贷款合同已抵押给我行的，额度与原贷款剩余本金合计不超过原贷款合同确定的抵押率。
二、单笔用款金额：个人消费贷款单笔用款不超过消费用途证明材料显示所需资金的80%。
三、因各地区存在一定差异，需要请您申请贷款时详询当地经办机构。

感情所迫 07-20 04:32

可以的。房子产权证办理下来后可以办理抵押贷款，在用抵押贷款贷出来的钱购买新房。房子办理抵押贷款可以贷到房屋评估价的7成，需要的资料有这些：身份证、户口本、婚姻证明、收入证明、银行流水、产权证、国土证。在购买新房需要的资料有这些：身份证、户口本、婚姻证明、收入证明、银行流水。

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