外地人名下之前有房贷，现在卖掉，属于无房无贷吗？如果属于，那在北京买房能做首套的首付比例吗？感谢感谢
提问者 :
幕色调
时间 :
2017-04-18 15:33
所属分类 :
买房-贷款办理-首付
回答详情
共有5个回答
-
孙志明
商业贷款认房又认贷，公积金认房不认贷，您要是之前商业贷款，现在用公积金买房算首套。
2017-05-24 17:21
-
李新
如果您贷过款还掉了，首付5成。
2017-05-18 20:59
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吴彩霞
算二套首付比例
2017-04-24 17:19
-
张建勇
贷款现在是是全国性的，只要有过贷款记录，不管是否还清，不管有没有房，再买都是二套
2017-04-23 09:26
-
马亚坤
你好，外地曾经有过住房且贷款，即使房子已经卖掉，房贷结清，但曾经的房贷记录仍旧存在，所以无法认定为无房无贷。这种情况下在符合北京本地购房资质的前提下，申请购房贷款按二套执行，首付比例普宅为60％，非普宅80％。
2017-04-19 19:26
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