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70万的房子抵押贷款能贷多少钱？流程是什么

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70万的房子抵押贷款能贷多少钱？流程是什么

浏览：57次 | 提问时间： 07-20 04:08

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4个答案

触摸不到的你 07-20 04:09

现房抵押现行政策,不高于房屋评估值的70%,利率上浮20%-30%。依照你所说,房子市值50万,保守地说评估值应该在其之上,这样算下来,应该能贷出35万,减去您现在还有15万贷款,还有20万可以贷,假如您使用现房抵押做生意或高利润的投入,这样还是合适的。谢谢!

Romants 07-20 04:25

找一家银行做一笔抵押贷款，30万的房子最多可以贷15万上下，不过您不用贷这么多，告诉银行我要贷5万就可以了。现在抵押贷款的利率通常都是基准利率5.94%，有少数银行能下浮，可以多跑几家银行问问。银行要的手续也不是很麻烦，带着身份证、户口薄

你别皱眉那样不美 07-20 04:34

2.题主好，房屋抵押贷款跟通常贷款不同,银行是不直接受理的,应该要找中介担保机构,我以前也这样做过,手续不是很麻烦.5年以内还款的,可以直接到银行办理综合消费贷款.想做5年以上还款期的,就要中介担保出面了.首先确定您的房产的建成年代,90年以后的比较容易,90年以前的不好办,就算能贷出款,也不会很多.贷款额最少5万以上,贷款额度最多为房产评估价的70%,关注这个房产评估价格!不是你花了100万买的房子就能贷70万的.每个银行信贷部门都有自己的评估机构,要看他们的评估,通常是您房屋买入价的70%.也就是说,您100万的房子,贷款金额通常情况下是100万*70%*70%,最多也就50万啦房屋抵押贷款,最大还款期限的计算公式:25年-房屋建成年限

女痞 07-20 04:42

银行房屋抵押贷款的价格主要是看第三方评估公司进行的估价，通常来说，贷款额是在评估值的70%上下，你实际能贷到的额度就是你房子市值的评估值再乘以70%。

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