购买新房贷款需要什么条件?
提问者 :
小雅CC
时间 :
2015-05-16 08:10
所属分类 :
买房-贷款办理-贷款流程
回答详情
共有1个回答
-
永康集团
一般购买新房贷款条件为：年龄在18-60岁的自然人（港澳台及外籍亦可）具有稳定职业、稳定收入，按期偿付贷款本息的能力借款人的实际年龄加贷款申请期限不应超过70岁有合法有效的购买、建造、大修住房的合同、协议以及贷款行要求提供的其他证明文件。有所购住房全部价款30%以上的自筹资金（对购买自住住房且套型建筑面积90平方米以下的, 自筹资金比例为20%），并保证用于支付所购住房的首付款。有贷款行认可的资产进行抵押或质押，或（和）有足够代偿能力的法人、其他经济组织或自然人作为保证人。
2015-05-16 08:25
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