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个人二手房按揭贷款流程是怎么走的？谁知道怎么办理啊

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个人二手房按揭贷款流程是怎么走的？谁知道怎么办理啊

浏览：37次 | 提问时间： 07-22 05:32
问一下个人二手房贷款流程要走那些步骤呢，需要什么手续啊
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3个答案
多情笑我 07-22 05:33

买二手房贷款不容易。现在许多银行对于二手房按揭贷款都有一定的限制。有些银行甚至不能办理二手房按揭贷款，二手房按揭贷款相对贷款产品房按揭贷款来说，申请起来更为困难一些。虽然二手房按揭贷款受到银行一些政策的限制，不过只要银行可以办理二手房按揭贷款，那么，到银行办理二手房按揭贷款还是有一定的期望的。

一世泪倾城像鑽石 07-22 05:41

我打听的情况是这样，买二手房贷款利息；二手房按揭贷款利率分商业按揭贷款和公积金贷款两种情况，实际有这些：
一、二手房商业按揭贷款利率分以下三种情况：
1、一年（含一年）以下贷款利率：4.85%；
2、一至五年（含5年）贷款利率：5.25%；
3、五年以上贷款利率：5.40%；
二、二手房公积金贷款利率分以下两种情况：个人住房公积金贷款五年以下(含五年)贷款利率：3.00%；个人住房公积金贷款五年以上贷款利率：3.50%

难辞其咎 07-22 05:49

长春市二手房按揭贷款办理流程二手房按揭贷款是指个人在购买售房人具有房屋产权证、能在市场上流通交易的住房或商业用房时，自己支付一定比例首付款，其余部分以要购买的房产作为抵押，向合作机构申请的贷款

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