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自建房能否贷款按揭吗?流程是什么?要怎么计算_其他_设计456问答
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自建房能否贷款按揭吗?流程是什么?要怎么计算

浏览:34次 | 提问时间: 07-20 04:07
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4个答案
青芜堤上柳 07-20 04:07

房贷分几类,有商品房按揭贷款、公积金贷款、自建房公积金贷款等。假如是商品房按揭可由开发商提供需要资料清单(身份证、户口簿、结婚证或独身证明、收入证明到指定银行办理即可),假如自建房则需提供房屋建设工程规划许可证、准建证到房管部门出具手续,然后到公积金办公室办理。

时光熬人 07-20 04:24

假如你是城镇居民,自建房房产证的办理流程是
1、需要在你自建房所在区委会开证明、介绍信、证明自建房的权属。
2、再到你自建房所在城镇土管所办理土地使用证。
3、到你自建房所在城镇建办补办自建房的审批件。
4、拿着以上手续到自建房所在城镇房管所办理房产证。

想要见你 07-20 04:32

5年是可以按揭的,除非是集资房(有些地方自建房也不能贷款),通常来说15年上下的老房子就有点难按揭了。超过10年没满15年的房子按揭只能5成上下。

傲姿走天下 07-20 04:41

可以。农村建房贷款是用于县范围内的个体工商户及具有完全民事行为能力的自然人用于建造房屋而发放的贷款。农村自建房贷款对象及条件:年处18-60周岁之间,具有完全民事行为能力的境内居民。借款人住所或生产经营场所应在联社的服务辖区之内。申请农村建房贷款应具备的基本条件:
(一)、借款人申请贷款建造的房屋,需经地方村镇建设部门批准,符合地方发展规划。
(二)、借款人需提供村镇建设部门批准文件或证明材料。
(三)、借款人要有至少规定的自有资金比例,信用观念强,资信问题良好,且具备按期偿还贷款本息的能力。
(三)借款人能提供具有足够代偿能力的个人或单位作为贷款保证,或能以有效资产作抵(质)押。
(四)借款人应在贷款信用社(部)开立个人结算账户,并自愿接受信贷监督和结算监督。申请农村建房贷款需提供的资料:
(一)借款人及其家庭成员身份证、居民户籍证明及借款人的结(离)婚证明。
(二)建房贷款的用途证明材料。
(三)保证人基本情况及相关证明材料,抵(质)押物产权等有效证明材料等。
(四)农村信用社规定的其他资料。农村自建房贷款额度:农村建房贷款的额度应依照自有经营情况、收入水平、信用程度等情况确定,通常不超过建房资金总额的50%。农村自建房贷款期限:农村建房贷款的期限应当依照借款人的自身经营情况、收入来源等合理确定,原则上控制在五年以内。央行贷款基准利率作为农村信用社贷款的指导利率,信用社有权依照借款人情况对贷款利率进行上浮或下调。农村信用社贷款利率下限为基准利率的0.9倍,最大上浮系数为贷款基准利率的2.3倍。

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