抵押贷款利息

来源:抵押贷款发布时间:2024-10-06 21:01:27文章阅读:160人次

用房产向银行或其他金融机构diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的,可以帮助当事人及时的解决用钱需要,但与此同时银行方面也会根据实际情况收取一定的daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利息。那么这个房产diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利息是多少呢?我们一起在下文中进行了解。

一、房产diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利息是多少

房屋diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的年利率分两个阶段:(以5年为界)

1、房屋diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款期限为5年以下(含5年)的:daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款年利率为4.77%;

2、房屋diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款期限为5年以上的,daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款年利率为5.04%(按各地政府实际情况定)。

daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款期限:一般最长不超过30年。

daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款额度:最高为所购(大修)住房全部价款或评估价值(以低者为准)的80%。

二、怎么办理房屋diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款

(一)什么人可以成为房屋diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的对象?

房屋diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的对象可以是具有完全民事行为能力的中国公民,在中国大陆有居留权的具有完全民事行为能力的港澳台自然人,在中国大陆境内有居留权的具有完全民事行为能力的外国人。除外,还应满足以下条件:

1、有合法的身份;

2、有稳定的经济收入,有偿还daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款本息的能力,无不良信用记录;

3、有合法有效的购房hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同;

4、以新购住房作最高额抵押的,须具有合法有效的购房hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同,房龄在10年以内,且备有或已付不少于所购住房全部价款30%的首付款;

5、已购且办理了住房diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的,原住房diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款已还款一年以上,daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款余额小于抵押住房价值的60%,且用作抵押的住房已取得房屋权属证书,房龄在10年以内;

6、能够提供daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款行认可的有效担保;

7、daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款行规定的其他条件。

(二)办理房屋diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款需要的基本材料

1、房产证

2、权利人及配偶的身份证

3、权利人及配偶的hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">户口本

4、权利人的婚姻证明(jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">结婚证或民政局开具的未婚证明)

5、收入证明

6、如房产证权利人有未成年儿童,请提供出生证

7、如房产内还有yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">银行daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款,请提供原daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同及最后一期的银行对帐单

8、为提高daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款通过率,请尽量多的提供家庭其他财产证明(如另处房产证、股票、基金、现金存折、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆行驶证等等)

(三)办理房屋diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的主要流程

1、借款人贷前填写居民住房抵押申请书。

2、银行对借款人的daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款申请、购房hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同、协议及有关材料进行审查。

3、借款人将抵押房产的产权证书及保险单或有价证券交银行收押。

4、借贷双方担保人签订住房diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同并进行公证。

5、daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同签订并经公证后,银行对借贷人的存款和daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款,通过转账方式划入购房hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同或协议指定的售房单位或建房单位。

6、结清daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款。daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款结清包括正常结清和提前结清两种。

①正常结清:在daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款到期日(一次性还本付息类)或daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款最后一期(分期偿还类)结清daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款;

②提前结清:在daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款到期日前,借款人如提前部分或全部结清daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款,须按借款hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同约定,提前向银行提出申请,由银行审批后到指定会计柜台进行还款。

7、daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款结清后,借款人应持本人有效身份证件和银行出具的daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款结清凭证,领回由银行收押的法律凭证和有关证明文件,并持daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款结清凭证,到原抵押登记部门办理抵押登记注销手续。

现实中,计算房产diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的利息往往是根据daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的年限进行计算的,一般来讲daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的时间短,那么利息就要相对低一些。时间长,那么利息就要高一些。具体的利率还需要详细咨询daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的银行才能了解的比较清楚。

友情链接