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佛山自建房贷款有什么要求？流程是什么

佛山自建房贷款有什么要求？流程是什么

浏览：46次 | 提问时间： 07-21 09:49

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4个答案

烟花泪 07-21 09:49

银行按揭贷款一般超20年房龄的就不贷了另按揭有个说法，就是贷款年限加房龄一般不过30年。自建房会稍微放宽点，因为自建房土地面积较大，没有公摊。抵押值又高点

有我在别孤单 07-21 09:58

贷款需要准备的条件：
1、要有固定收入，要看工资明细。
2、年满18－50岁，65岁之前还完贷。
3、如果贷款用于经营或购车，要有担保人和抵押。
4、没有不良信贷记录。
贷款需要准备的资料：
1、贷款人身份证；
2、贷款人近半年征信信息，且征信信息良好；
3、贷款人名下近半年的银行卡流水，无中断；
4、贷款人居住证证明（租房合同、房产证、近三个月水、电、费煤气发票）
5、贷款人工作单位开具的收入证明。

對你何止1句喜歡 07-21 10:06

集体土地上的自建房一般不能申请公积金贷款，只有在国有土地上建房才符合贷款条件：
申请材料如下：
1、建设工程规划许可证原件(复印一份)
2、土地使用权证原件
3、工程预算书原件
4、提供公积金缴存所在地房管部门的《房屋信息登记证明》原件(复印一份)

带着你的温柔滚出我的世界 07-21 10:14

佛山自建房贷款要求有：私人自建房没有房产证和国有土地使用证，而作为抵押申请贷款的房产需要“两证”齐全，所以不能申请银行按揭，办理银行住房贷款的申请条件如下：借款人必须同时具备下列条件：
(1)有合法的身份。
(2)有稳定的经济收入，信用良好，有偿还贷款本息的能力。
(3)有合法有效的购买、建造、大修住房的合同、协议以及贷款银行要求提供的其他证明文件。
(4)有所购住房全部价款30%以上的自筹资金(对购买自住住房且套型建筑面积90平方米以下的,自筹资金比例为20%)，并保证用于支付所购住房的首付款。
(5)有贷款行认可的资产进行抵押或质押，或(和)有足够代偿能力的法人、其他经济组织或自然人作为保证人。
(6)贷款行规定的其他条件。希望我的回答对你有帮助。谢谢

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