个人住房贷款条件是什么啊?
提问者 :
arting456
时间 :
2015-05-15 15:00
所属分类 :
买房-贷款办理-贷款流程
回答详情
共有1个回答
-
youmochong
申请个人住房贷款首先是身份属实，个人征信情况良好，再就是具备偿还贷款的能力，也就是说你每个月的收入可以负担的起你的月供，一般银行的要求是月供支出不能超过你月收入的50%。再就是你的身份证，户口本，婚姻证明这些最基本的个人资料了，如果你已经结婚，还要提供你爱人的相关资料（身份证、户口本、收入证明等等）最后就是你买房子所教的首付款证明，一般就是收据，还有就是要有一张你办房贷所在银行的借记卡，用于每月还款。具备以上条件应该就可以了，具体的还需要以银行规定为准。
2015-05-15 15:19
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