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求问各位亲个人能贷款买房吗？流程怎么走？_其他_设计456问答
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求问各位亲个人能贷款买房吗？流程怎么走？

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有没有人清楚公司购买房产可以贷款吗？请问大家伙儿们贷款买房和全款买房差多少钱？有哪位能解答多少钱能在北京买房？正打算购买。我来请问多少钱可以在广州买房？谁有报价？哪位能给我说一下丹东买房要多少钱？谁有价格表。有没有人熟悉贷款买房要交哪些费用？有什么规定呢谁大神熟悉在天津买房多少钱？谁知道大概价格啊问问在成都买房需要多少钱？值不值得买？小白问一下长春哪里买房好？哪家的报价比较低想晓得西班牙买房费用？有什么要注意的？大伙说说在合肥买房要多少钱？谁知道市场价？西安买房一平米多少钱知道的大神说下？在欧洲买房多少钱谁比较了解？你们觉得怎么样哪位了解温哥华买房多少钱？有参考吗？哪个能告诉我西安买房费用？有哪些注意事项

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求问各位亲个人能贷款买房吗？流程怎么走？

浏览：56次 | 提问时间： 07-21 09:22
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4个答案
逗比惹人爱深情不为我 07-21 09:23

想请教下各位，个人房子抵押贷款条件是什么？有什么要求吗？注意哪些事项：首先对借款人的条件要求：
(1)满18周岁具有完全民事行为能力在中国境内有固定住所的中国公民;
(2)有合法的身份证明;
(3)有稳定的经济收入，有偿还贷款本息的能力，无不良信用记录;
(4)以新购住房作最高额抵押的，须具有合法有效的购房合同，房龄在10年以内，且备有或已付不少于所购住房全部价款30%的首付款;
(5)“房龄+借款人年龄”：男性不超过65岁，女性不超过60岁;
(6)能够提供贷款行认可的有效担保;
(7)贷款行规定的其他条件。然后是对抵押房屋的要求：
第一、房龄为1990年以后。
第二、面积在30㎡以上。
第三、房产所处地理位置优越、有较强的变现能力。
第四、已经取得产权证。亲，经济允许的话可以的，如果经济条件还没有达到一定的数字的话，那请你到慎重考虑了，这可是每个月都要还贷款的哦，利息会很高哦~

瞧你那傻样 07-21 09:31

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

浅笑Sunshne 07-21 09:40

你买的房子是大产权的吗？不是的话就不好贷，你买房在的时候可以问一下他的房子是不是大产权，有几个证？有没有土地证和销售许可证？能不能按揭、能不能贷款，能的话要出具哪些证明？不过证明好几个了，挺麻烦的希望我的帮助能够解决你的问题。

我愿做你爱的死囚 07-21 09:48

本人21岁，现在无业，想买房，首付自己能付15万，这个条件可以向银行申请贷款吗，非诚勿扰

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