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二手房买房贷款流程哪位知道谢谢啦？最高可以贷款多少

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二手房买房贷款流程哪位知道谢谢啦？最高可以贷款多少

浏览：54次 | 提问时间： 07-20 05:11
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3个答案
贱人 07-20 05:12

贷款有两种一是通过开发商贷款，二是二手房贷款，从开发商那里买房可以通过开发商贷款，买别人的房子就是二手房贷款了，二手房贷款需要提供所购买的房子的房产证，你说的房子现在不能贷款需要等房产证下来才能贷款。

我是暖男我会发光 07-20 05:29

很多人不知道，二手房贷款需要关注房龄，房龄在10年以内的，最高贷款为7成;房龄在10年—20年的，最高贷款为6成。购买房龄不超过20年的(房屋竣工年限以《房屋所有权证》为准)二手房、自(翻)建住房，贷款期限不超过20年，且与房龄之和最长不超过30年

五千里苍穹 07-20 05:37

苏州首套房贷款依照房屋类型分为一手房和二手房，贷款方式分为商业贷款与公积金贷款，一手房贷款现在最高额度是房产价值的七成，二手房则为五成上下，也就是说一手房贷款首付至少需要三成以上，而二手房首付则需要五成以上，部分银行需要六成上下，商业贷款买房利率五年以下是6.9%，五年以上是7.05，住房公积金贷款利率五年以上是4.9%

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