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哪位知道贷款购房首付多少钱？流程怎么走？

哪位知道贷款购房首付多少钱？流程怎么走？

浏览：44次 | 提问时间： 07-28 05:39

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4个答案

呆萌兽 07-28 05:40

实际有这些：
1、依照房贷新政，第几套房的认定标准是：家庭成员（包括夫妻双方及未成年子女）名下现在拥有的有产权的住房的套数。假如你尚未成年，你父母只有你一个未成年子女，则你与你的父母三人算一个家庭。计算房屋套数，是按你们三人名下的住房（需有产权）套数之和为标准的。你父母的父母（即你的祖父祖母）属于另一个家庭，不纳入你们家庭名下。假如你已成年，则你们三代人属于三个家庭。
2、估计你父母现在还没有签订两套定向商品房的购房合同，假如你父母名下现在没有其他房产，则你父亲立即买房并贷款，属于第一套房，可申请公积金贷款，首付20％，享受公积金贷款的优惠利率；假如你父母名下现有一套房，立即买房并贷款，属于第二套房，首付50％，利率是基准利率上浮10％。假如该两套定向商品房，你父母已领了产权证（或已签订购房合同，并已网上备案鉴证）则你父母至少就已有两套房了，再买房，属于第三套房，不允许贷款。
3、两套定向商品房的产权人写谁的问题：银行对第几套房的认定是在审批贷款时确定的，一旦确定并放款后，即使借款人在还贷期间又买了房子，不影响前面已贷款的房屋的贷款政策。，假如你父母想买的房子已经看中，而定向商品房还没有签合同，你们可以抓紧时间，在签订定向商品房的购房合同之前，落实好拟买的外面开发商楼盘的房子的贷款，等贷款放下来后，再签订定向商品房的购房合同就没有问题了。假如不能在贷款后再签订定向商品房的购房合同，那么，这两套定向商品房写在谁的名下，你们可以按照我上面写的住房套数确认标准，考量实际放在谁的名下。
3、公积金账户资金的问题购房后，可凭购房发票一次性提取公积金账户上截止购房日的账面余额，即你父亲购房后，可一次性从公积金账户提取至少7w元现金。以后，公积金账户上的钱可用来每年一次提前归还贷款本金，但只能直接划到银行账户还贷，不能提取现金。每月的还贷资金需要另外筹钱归还，不能依赖公积金。
4、贷款资金的问题首套房，首付20％，最高可贷款80％（64万）。假如你父母都有公积金，则公积金贷款最高可贷到40万，剩余24万可申请商业贷款；假如只有你父亲有公积金，则公积金贷款最高可贷到30万，剩余34万可申请商业贷款。第二套房，首付50％，最高可贷款40万。第三套房，不能贷款。
5、每月还贷额假设贷款64万，其中30万公积金贷款，34万商业贷款：贷款期限15年，每月还贷约5050元；贷款期限20年，每月还贷约4200元；贷款期限25年，每月还贷约3740元；贷款期限30年，每月还贷约3400元。
6、贷款期限的确定：65－你父亲的年龄
7、家庭收入和每月还贷额的关系问题每月还贷额≤家庭月收入的50％即：假如每月需还贷5000元，则家庭月收入（含你父母和他们的未成年子女的共同收入）需达到1万元以上。期望可以对你有用~！

如果能重来我选择不认识你 07-28 05:49

不可以的，通常没有房产证，无法证明房屋产权属于谁，因此无法办理抵押贷款。房抵押贷款流程：
一、买卖双方签订购房合同并支付首付款后，到银行提出贷款申请。填写贷款申请表（假如已婚，须夫妻双方一起前来，未婚，可单独前来）。

檐前缺 07-28 05:57

1，想买房但没有首付的钱，可以选择零首付购房活动的小区，或者是先向身边的亲戚朋友借钱，缓期一定的时间再还给他们。2，首付应该在申请贷款前要实际付款就是付现金，至于首付款的来源是贷款，借款还是自己的钱都无所谓，但首付款是不可以用所购房贷款的。可以用其他有形资产去贷款，这样就可以交首付，剩下的可按贷款形式月供。这样就是两份合同了，不过这样要面临按揭和首付的贷款，会使生活压力很大的。3，办理银行按揭购房的，首付款要不低于总房款的30%。另外买房要依照自己现有问题量力而行。

琴复 07-28 06:05

不可以。首付应该在申请贷款前要实际付款就是付现金，至于首付款的来源是贷款，借款还是自己的钱都无所谓，但首付款是不可以用所购房贷款的。你可以用其他有形资产去贷款，这样就可以交首付，剩下的可按贷款形式月供。期望我的回答能够帮助你。

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