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      ["tagname"] => string(18) "财运越住越好"
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      ["tagname"] => string(51) "购房贷款需要哪些材料具体流程是什么"
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      ["tagname"] => string(24) "涂料并非越贵越好"
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重庆二手房贷款流程是什么?越具体越好_其他_设计456问答
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重庆二手房贷款流程是什么?越具体越好

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重庆二手房贷款流程是什么?越具体越好

浏览:45次 | 提问时间: 07-22 11:21
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5个答案
给姐跪下唱征服 07-22 11:30

2020年重庆房地产几经波折,先是国五条,现在房贷基准率又开始上浮。这无非是给刚需购房者又一次重击,不仅要关注房价,还要担心房贷基准率。那么在重庆首套房首付几成二手房和新房又有什么区别这一系列的问题让刚需们很是困扰。面积在144平以下是30%,贷款70%。区别是新房按照合同价贷款,二手房按照银行评估价贷款。所以二手房首付很有可能比实际的30%高。若面积超过144平,首付和贷款分别是50%。如果有公积金的话,可是是20%。目前贷款买房,在购买新房与购买二手房时,贷款首付的计算有较大区别。办理新房贷款时,首付款是按照购买时的市场价作为参考,并根据个人贷款次数和个人贷款的信誉程度进行多方面的审核来制定贷款比例。另外,办理二手房贷款买房是根据“二手房评估价”作为参考。所谓评估价是根据当时的市场情况,通过银行指定的专业评估机构进行房产价值评估而计算出来的。一般二手房评估价低于市场价。评估价大多为二手房市场价值的80%-90%,部分房屋会更低。一手房贷款买房首付计算方式:首付款

我已久遇深海而不能呼救 07-22 11:39

总房款-客户贷款额贷款额

07-22 11:47

合同价(市场价)×80%(首次贷款额度最高可达80%)二手房贷款买房首付计算方式:净首付款

牵强的微笑 07-22 11:55

实际成交价-客户贷款额(净首付款:不包括国家税费和中介服务佣金的首付款)贷款额

万众金牌女神 07-22 12:04

二手房评估价×80%(首次贷款额度可达80%)贷款额估算方式,可用合同价×85%,预估出大致评估价格。首次置业者购买二手房房贷首付必须高于20%

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