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工商银行按揭贷款流程是怎么样的？利率又是多少的

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工商银行按揭贷款流程是怎么样的？利率又是多少的

浏览：40次 | 提问时间： 07-21 11:55
哪位朋友在工商银行贷款过？请问工商银行按揭贷款流程是怎么样的？需要什么资料文件吗？
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3个答案
痛了自然就会放下 07-21 11:55

工商银行汽车抵押贷款是指借款人用自有的车辆抵押给工商银行，然后从银行直接获取贷款，贷款资金可用于各种消费和经营用途的一款贷款产品。对于汽车抵押贷款，各大行并不热衷。工商银行汽车抵押贷款凡是满足工行汽车抵押贷款条件的，在保障按时还款的前提下均可申请。工商银行汽车抵押贷款的额度是车价的60%。

可惜陌生 07-21 12:04

现在在南京申请房屋按揭贷款，南京大多数的银行首套房贷款利率都有9.5折优惠利率，而折算成贷款利率，则是5.84%。这些银行主要是紫金农商银行、交通银行、南京银行、工商银行、兴业银行、招商银行、中国银行、花旗银行、邮储银行、建设银行、农业银行、光大银行。南京也有3家银行的首套房贷款利率是执行的基准利率6.15%，而这3家银行主要是中信银行、民生银行、浦发银行。

孬种 07-21 12:12

在工商银行贷款房产证，是可以二次抵押贷款的。房屋二次抵押贷款的流程：经银行同意，卖房人与买方进行房产交易，签订购房合同或意向书；向银行提出贷款申请，并提交相关资料；银行对借款人进行资信调查、审查后，通知借款人审查结果。

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