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请问大神们用房本可以贷款吗？流程是什么

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请问大神们用房本可以贷款吗？流程是什么

浏览：33次 | 提问时间： 07-21 09:02
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5个答案
走路扭臀不够纯 07-21 09:03

有房产证可以进行抵押贷款。
1具有完全民事行为能力的自然人，在贷款到期日时的实际年龄一般不超过65周岁;
2有本市常住户口，有固定的住所;有正当职业和稳定的收入来源，具备按期偿还贷款本息的能力;
3愿意并能够提供贷款人认可的房产抵押;房产共有人认可其有关借款及担保行为，并愿意承担相关法律责任。

Mascara 07-21 09:11

先要评估，评估价值先打八折，然后贷款带出来的钱是评估价值的5成到7成。比如你的房子现在在市场上卖50万。评估出来大约40万，贷款可以带到20-30万。利息看你个人的信用记录。

情了 07-21 09:20

现在买房首付要多少，还是30%吗，没钱的孩子苦哈哈的来问问各位大神

星星的軌跡 07-21 09:28

你好，知道自己的公积金账号吗？不知道问问你们的财会人员，他们知道，然后你可以到住房公积金管理中心查询了，希望可以帮助到你。

在牛A和牛C之间徘徊 07-21 09:36

这个根据每个地市的政策不同，有所区别，贷款的话多问问，因为是经济适用房不是所有银行都能贷这是肯定的，问问当地较为大的银行，再找一家相对产品更新比较快的问下，基本就能知道您在当地是否可以进行办理。

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