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住房贷款贷不一下来要怎么办呢？流程是什么

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住房贷款贷不一下来要怎么办呢？流程是什么

浏览：37次 | 提问时间： 07-20 04:08

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4个答案

初恋未满 07-20 04:09

住房贷款利率上浮是由于国家的购房贷款信贷优惠政策不是强制性的，只是指导性政策，各银行和金融机构可依照自身的实际情况上下浮动利率。今年央行连续上调银行存款准备金和利息，银行贷款额度有限，有些小银行的贷款额度早就用完了，贷款基本就批不下来了。再加上年底又是银行的结算周期，能贷出款就不错了，自然就引起了利率上浮的情况。

满身是刺 07-20 04:25

这种情况可能贷款办不下来，贷款公司一去房管局核实就暴漏了。假如成功，就可能是贷款诈骗罪。

岛鹿 07-20 04:34

购房贷款批不下来，假如是已经签了合同，交了首付，最好的解决方式是让中介去给你想办法解决、看看能不能花点钱，把贷款弄下来，这样大家都不伤和气。实在不行就只能解约了，不过解约要看看你签的协议上面是怎么写的，是贷款批不下来双方免责还是责任由下家承担。期望可以对你有用。

不重色轻友怎能永垂不朽 07-20 04:42

不可靠，万一将来办不下来违约的不是开发商，而是你，你要付违约金的若是招商银行，申请住房贷款需要您自行支付首付款，尾款部分可向银行申请按揭贷款。不同贷款类型首付比例有所不同。
1、首套房，比例最低30%，即贷款金额最高不超过所购房产价值的70%（不实施“限购”的城市调整为至少25%）
2、二套房，比例最低40%，即贷款金额最高不超过所购房产价值的60%。实际您的可贷金额需您提交相关资料，网点审核之后才能确定，您可以直接与当地网点个贷部门联系咨询。

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