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哪个熟悉买还建房可以按揭贷款吗？具体流程是什么

哪个熟悉买还建房可以按揭贷款吗？具体流程是什么

浏览：41次 | 提问时间： 07-20 04:08

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4个答案

海葵 07-20 04:09

题主好，购买自建房屋是不可以使用房屋本身贷款的。买别人拆迁户的还建楼不可以办理按揭贷款，应该一次性付款，同时提醒业主，购买此类房子没有土地使用证，也不能过户。期望我的回答对你有用。

呼之欲出 07-20 04:25

还建房可以按揭吗？假如是市统一规划的话还建房也可以做按揭，实际看那些楼盘那些地方，市区里面的可能性大些。当地还建房申请条件：
1、具有当地城镇常住户口或有效居留身份；
2、具有稳定的职业和收入，信用良好，同时具有按期归还贷款本息的能力；
3、具有所购住房全部价款20％以上的自筹资金，并保证用于支付当地所购住房的首付款；
4、具有当地银行认可的资产作为抵押或质押，或有足够代偿能力的单位或个人作为偿还贷款本息、并承担连带责任的保证人；
5、具有购房合同或协议，所购住房价格基本符合当地银行或银行委托的房地产估价机构的评估价值；
6、银行规定的其他条件。还建房可以贷款吗？
1、我国改革开放发展到一定程度后，部分经济发展快的城市对周边郊区进行城市化建设改造。为统一规划市政建设，需要对当地城市郊区农民原建住房进行拆迁，为妥善安置拆迁群众的居住用房，政府有计划地统一建房分配给拆除了原住房的居民。这种住房，称为还建房或统建房、统建楼。
2、购一手当地还建房公积金贷款：包括购买商品房、经济适用住房、集资合作建房等自住住房贷款，还建房是可以办理公积金贷款的，但需要所购建住房权属清晰、手续合法齐全且无法律纠纷。
3、能不能用公积金贷款，主要取决你所在的单位是否每月按时，向当地的住房公积金管理中心为你正常缴存住房公积金。
4、贷款的话和开发商签订合同时就要交钱了，购买一套房，首付至少30％，第二套房首付至少60％，首付就需要买房者交给当地开发商，然后剩下的找银行贷款，由银行将款打给开发商。

ら普罗旺斯的薰衣草未开つ 07-20 04:34

开关按键是卡上去的可以撬开的!西门子有金属面板的吗哪位卖西门子的教教!

谢谢你让我知道我多么差劲 07-20 04:42

没有房产证的房子可以抵押吗
1、没有房产证是不能在银行贷到款的，但也需分情况区别看待。假如申请人只是暂时没有房产证，如办理住房按揭贷款时，房产证抵押给了银行，这种情况是可以通过提供按揭贷款合同、购房合同、首付款发票等相关材料，向银行申请贷款的。
2、但假如申请人是购买的安置房、回迁房或是自建房，想要向银行申请抵押贷款就比较难了。
3、在申请贷款前，弄清楚自己的房产属性就可知道能否从银行贷到款了。假如申请人只是暂时没拿到房产证，可通过提供购房合同、按揭贷款合同等材料向银行办理抵押贷款。
4、银行会对借款人的还款能力、征信情况进行综合评估，以决定是否贷款以及贷款额度。
5、通常要求申请人每月月供额不得超过其收入的50%，且按揭房贷逾期次数不得超过银行规定。否则是很难申请抵押贷款的。
6、假如借款人能提供银行认可的抵押或担保，如提供汽车、债券等质押物或有房产的担保人，将大大提升批核率。没有房产证的房子可以抵押吗？房子抵押房产证在哪里房子抵押房产证在哪里通常房子的他项使用权证是在抵押的银行那里的，等你把贷款的钱还清了就会在房产证上把“抵押”的文字注销掉的。房产抵押贷款每家银行都在做的，只是对房产的有要求的，通常都是三证齐全的商品房，现在厂房，商铺银行不怎么操作了，商品房不能按揭，房龄不能大于20年，面积要70平米以上，在好的地段的，现在最高的抵押是70%的，同时贷款用途是用来经商的。没有房产证的房子是不能办理抵押的，银行在办理贷款时候也是会依照实际情况来进行审核，为的也是保证银行的利益。大家在买房子时候还是要关注不要购买没有房产证的房屋，不然的话日后会很麻烦的。

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