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银行买房贷款流程中的评估价指什么？有人知道该怎么处理啊

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银行买房贷款流程中的评估价指什么？有人知道该怎么处理啊

浏览：78次 | 提问时间： 07-22 03:09
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5个答案
常是沉默重播爱情 07-22 03:10

您说的门市房，也就是店面，也就是指商业性质的房产。商业地产现在也可以贷款，贷款比例为评估价的50%。假如您要购买的这个二手门市房评估价为150完，您能贷款75万。购买流程跟正常购买二手住宅的流程一样，
1、跟房东签订买卖合同
2、找评估公司评估房产
3、去银行存首付，并申请贷款
4、银行审批贷款
5、审批通过，买卖双方去交易所过户房产证
6、银行放款给卖家

我想了解你 07-22 03:18

加按揭，是指银行为在该行申请住房贷款、正常还款1年以上、房屋已为现房的借款人提供的一种“追加”贷款的服务，加按揭贷款额度加上原贷款余额之和，最高可达房屋评估价值的70%。这对于房价升幅大，过去按揭金额不多的房贷客户最有吸引力。

忧郁像厉鬼 07-22 03:27

题主好，二手房贷款的流程跟新房的贷款有点不一样的，在规定上流程会比较复杂，贷款成功的几率也会相对较少，由于二手房是按评估价确定贷款额的，多数情况下，评估价比实际成交价低，因此二手房的首付要补齐成交价与评估价之间的差额。就是说，二手房的首付款要高于一手房的最低首付30%。然后通过银行的途径进行贷款操作。期望能对你有用！

我昨晚梦见你了 07-22 03:35

第一套二手房贷款额为银行评估价的70％（这边说的是商业贷款，公积金贷款是60％；还有要看房子的年限，有的比较老的房子也只能贷60％），也就是说首付是银行评估价的30％再加上出售价与银行评估价的差价。假设你买的房子是60万，银行评50万，那首付就是50万*30％+10万

忘怪我太清醒 07-22 03:43

25万。

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