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办公用房贷款需要什么资料？要走哪些流程？

办公用房贷款需要什么资料？要走哪些流程？

浏览：88次 | 提问时间： 07-21 09:14

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3个答案

瑕疵爱人 07-21 09:15

商业和办公用房贷款，不受第二套贷款政策影响，因此，无论是原有住房贷款，还是之后申请的个人住房贷款，都不会影响商业和办公用房贷款；反之，也不会导致住房的利率上浮、成熟下降。商业和办公用房贷款所需要的资料和住房贷款基本是一致的，但对于“资产证明”的要求非常高，原因一是因为商铺和办公用房的总价一般较高，即便贷款仅为5成也相当可观；二是因为其借款年限最高仅为10年，月还款额较高，对于借款人的收入以及偿还能力的要求也就水涨船高。希望我的回答对你有帮助。

Unque 07-21 09:24

办公用房是指企业、事业、机关、团体、学校、医院等单位的办公用房屋。其中，档次较高的、设备较齐全的为高标准写字楼，条件一般的为普通办公用房。

闹心 07-21 09:32

商业及办公用房居住用房贷款成数上限为总价的50％上限为总价的80％贷款利率按基准利率上浮10％按基准利率执行贷款年限最长为10年最长为30年贷款种类仅可申请商业贷款同时可使用公积金贷款第二套贷款不受第二套贷款政策限制按基准利率上浮10％，成数下降一成

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