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按揭房首付12万装修不够钱能不能贷款？

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按揭房首付12万装修不够钱能不能贷款？

浏览：33次 | 提问时间： 07-21 11:55
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4个答案
执笔画浮尘 07-21 11:56

限价房首付40%，其他办理手续与商品房一样，按照国家最新规定，首付最低20%即可。实际首付，要看你能不能把20%以外那部分全部做成贷款。假如你的贷款上限达不到房价的80%，那么贷款以外的部分都属于首付了。举例来说，50万的房子，你能贷款40万，那么首付10万，即20%就可以了。假如你只能贷款30万，那么需要你首付20万，这时首付比例为40%了。

有地狱我们一起去猖獗 07-21 12:04

首先跟贷款银行了解抵押的房子能不能做转按，可以的话，你尚欠银行的钱就直接转到要买房子的人那里了；假如买房子的人不想做按揭（就是跟银行继续做房贷），也可以办好转按之后直接还清银行的钱，那他可以不必负担贷款利息；办好转按之后就可以进行交易了，当然，收到卖房子的钱是已经扣除欠银行的款项的。假如贷款银行不允许做转按，只能看看能不能找到担保公司代赎契（也就是还清欠银行的钱啦）

空笑 07-21 12:12

一平方不到6000元，关内老经适房都在桃源村深云村松坪山三期现在已经售罄。现在也主要以关外龙悦居和少量公租房为主。折合连装修不到40万。按照国家最新规定，首付最低20%即可。实际首付，要看你能不能把20%以外那部分全部做成贷款。假如你的贷款上限达不到房价的80%，那么贷款以外的部分都属于首付了。价格来自网络请自行核实

别乱走 07-21 12:20

你好这种情况看怎么说了.可以贷出来，但贷款出来的钱是不是你能拿到手就不一定了.
1.应该你的公积金缴存和房子的评估要够你想要贷款的金额.例:你需要贷款20万，但你想贷出25万，留5万装修.应该确保你能贷款25万.
2.一手房放款银行直接把钱打到开发商的帐户上，二手房是直接打给卖方.都不会经你的手，这就要看你能不能从开发商或卖方那协调好退还给你了.(这是非常重要的!)

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