关于个人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">贷款利率每家银行都不一样的，而且由于不同的daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款类型，申请daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款条件和材料也不一样，对此也有了新的规定，那么个人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">贷款利率是多少？个人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">贷款的相关事项是什么？
一、个人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">贷款利率
基准利率6.5%，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">贷款利率上浮10%-15%，视个人学历、信用状况、职称、单位等情况看;住fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">房贷款利率6.5%，首套下浮10%，二套上浮10%，商品房三套及以上拒贷
2006年，央行放开了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">贷款利率浮动范围，对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">贷款利率上限不在做限定，下限为0.9倍基准利率。不过对信用社daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利率仍有上限限制，要求信用社daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利率上限不得高于2.3倍基准利率。
二、个人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">贷款的规定
是指《民法典》的规定，以借款人或第三人的财产作为抵押物，向自然人发放的daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款，渠道包括为银行、小额daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">公司、典当行。
新fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">fangdai/" target="_blank">房贷款的daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款期限最长不超过30年，二手房不超过20年；daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款额度是房屋评估值的70%；daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利率按照中国人民银行规定的同期同档次daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款基准利率上下浮动。
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">贷款条件：房屋的年限在20年之内；房屋的面积个银行要求的不一；房屋要有较强的变现能力；一般要求商品房，公寓，商铺，写字楼，daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利率（银行变相收取的各项成本）一般为年9%--12%，放款速度一般为1-2个月。
三、个人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">贷款的相关事项
1、在中国境内有固定住所、或有当地城镇常住hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">户口(或有效居住证明)、或有固定的经营地点的有完全民事行为能力的中国公民;
2、有正当的职业和稳定的经济收入，具有按期偿还daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款本息的能力;
3、无不良信用记录，daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款用途不能用作购房、炒股，赌博等行为;你只要符合银行个人小额daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款申请条件后，提供身份证、稳定的住址证明、稳定的收入来源证明就可以办理小额daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款业务。
四、个人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">贷款提供的资料
1、身份证件（包括身份证、军人证件、hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">户口薄、暂住证等）
2、配偶身份证件（包括身份证、军人证件、hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">户口薄、暂住证等）
3、收入说明及收入流水
4、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、单身证明、lihun/" target="_blank">lihun/" target="_blank">lihun/" target="_blank">lihun/" target="_blank">lihun/" target="_blank">lihun/" target="_blank">lihun/" target="_blank">离婚证或lihun/" target="_blank">lihun/" target="_blank">lihun/" target="_blank">lihun/" target="_blank">lihun/" target="_blank">lihun/" target="_blank">lihun/" target="_blank">离婚判决书）
5、所在单位营业执照副本复印件（加盖单位公章）
6、学历说明（大专以上提供）
7、房屋产权证
8、daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款用途说明
五、daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的流程
1、借贷人提出申请，递交相关资料
2、进行房产评估、贷前调查、审批
3、发放daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款，借贷人按hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同定期归还daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款本息
4、daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款本息结清，办理抵押房屋的撤押手续
以上就是为大家总结的一些有关个人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">贷款利率的资料，大家如果实在着急的话可以找民间daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款，但是利息会高一点，建议大家多咨询几家银行或者中介，他们会告诉你具体的流程，但是要谨慎防骗，款没到手一定不要抵押，不同类型的daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利率也会有所不同，银行也会有相关的规定。