北京个人住房贷款有哪些种类呢?
提问者 :
唐星星
时间 :
2015-05-15 16:23
所属分类 :
买房-贷款办理-贷款流程
回答详情
共有1个回答
-
蝈蝈728
个人住房贷款主要有委托贷款、自营贷款和组合贷款三种。 1个人住房委托贷款指银行根据住房公积金管理部门的委托，以住房公积金存款为资金来源，按规定的要求向购买普通住房的个人发放的贷款。也称公积金贷款。 2个人住房自营贷款是以银行信贷资金为来源向购房者个人发放的贷款。3个人住房组合贷款指以住房公积金存款和信贷资金为来源向同一借款人发放的用于购买自用普通住房的贷款，是个人住房委托贷款和自营贷款的组合。此外，还有住房储蓄贷款和按揭贷款等。
2015-05-15 16:40
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