貸款購(gòu)買(mǎi)的房子能抵押?jiǎn)幔?/title> <meta name="description" content="在物價(jià)飛速上漲人民幣貶值的今天，錢(qián)越來(lái)越不值錢(qián)，也就是說(shuō)房子有可能越來(lái)越貴。于是現(xiàn)在的人尤其是年輕人很多都是貸款購(gòu)買(mǎi)的房子。那么貸款購(gòu)買(mǎi)的房子能抵押?jiǎn)?？買(mǎi)房的方式有貸款買(mǎi)房與全款買(mǎi)房，各自有各自的優(yōu)點(diǎn)和缺點(diǎn)。如果是貸款買(mǎi)的房，那么貸款購(gòu)買(mǎi)的房子能抵押?jiǎn)幔?二手" /> <link href="http://www.euroad.cn/skin/css/global.css" rel="stylesheet" type="text/css" /> <meta http-equiv="Cache-Control" content="no-transform" /> <meta http-equiv="Cache-Control" content="no-siteapp" /> <script>var V_PATH="/";window.onerror=function(){ return true; };</script> </head> <body> <h1><a href="http://www.euroad.cn/">久久精品免费大全视频,国产在线精品一区二区三区不卡,国产精品一区二区熟女不卡,欧美日韩中字亚洲一区</a></h1> <div style="position:fixed;left:-9000px;top:-9000px;"><acronym id="kjb9y"></acronym><strike id="kjb9y"></strike><kbd id="kjb9y"><thead id="kjb9y"></thead></kbd><ins id="kjb9y"><td id="kjb9y"><fieldset id="kjb9y"></fieldset></td></ins><center id="kjb9y"><style 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<p>在物價(jià)飛速上漲人民幣貶值的今天，錢(qián)越來(lái)越不值錢(qián)，也就是說(shuō)房子有可能越來(lái)越貴。于是現(xiàn)在的人尤其是年輕人很多都是貸款購(gòu)買(mǎi)的房子。那么貸款購(gòu)買(mǎi)的房子能抵押?jiǎn)幔?/p><p>買(mǎi)房的方式有貸款買(mǎi)房與全款買(mǎi)房，各自有各自的優(yōu)點(diǎn)和缺點(diǎn)。如果是貸款買(mǎi)的房，那么貸款購(gòu)買(mǎi)的房子能抵押?jiǎn)幔?/p><p style="text-align: center;"><img src="https://img.lm263.com/2023-01/31006263035393.jpg" alt="貸款購(gòu)買(mǎi)的房子能抵押?jiǎn)幔? /> </p><p>二手房貸款主要房齡在30年以內(nèi)，一般是可以貸到款項(xiàng)的。</p><p>首先進(jìn)行房屋抵押貸款需要房屋的產(chǎn)權(quán)證，如果正在按揭中的房屋，由于貸款者還沒(méi)有拿到房子的產(chǎn)權(quán)證，是不能向銀行進(jìn)行房屋抵押貸款的。那如果沒(méi)有拿到房屋產(chǎn)權(quán)的朋友又怎么去貸款的呢?</p><p>貸款買(mǎi)房的，在未還清本息之前，想要作房屋抵押貸款的，可以用其購(gòu)房契約向銀行作抵押，若購(gòu)房者不能按照期限還本付息，銀行可將房屋出售，以抵消欠款。</p><p>已經(jīng)把的積蓄用來(lái)買(mǎi)房了，現(xiàn)在想要購(gòu)車(chē)，已經(jīng)沒(méi)有余款了，能用按揭房屋申請(qǐng)二次抵押貸款嗎?”很多房奴們都會(huì)心存此類(lèi)疑問(wèn)，不過(guò)答案必然是否定的，因?yàn)殂y行一般不會(huì)接受未還清貸款的房屋作為抵押物，而借款人只能另尋他法。但是，辦法總比問(wèn)題多，不妨來(lái)看看有哪些可行性方法能夠幫助于你。</p><h2>第一找擔(dān)保公司幫忙</h2><p>雖然銀行不接受未還清貸款的房屋作抵押物，不過(guò)要是有擔(dān)保公司出手，則有望扭轉(zhuǎn)局勢(shì)。大部分擔(dān)保公司都有按揭房短拆業(yè)務(wù)，指的是擔(dān)保公司為借款人墊資還清剩余尾款，從而使借款人有資格重新申請(qǐng)房屋抵押貸款。辦法雖好，但弊端在于，借款人需要支付的貸款成本較高，資金使用時(shí)間也有限，很多擔(dān)保公司規(guī)定長(zhǎng)借款期限為半年，而有的則不足半年。但是在借款利率上面也比較高。</p><h2>第二直接申請(qǐng)款</h2><p>所謂有比較才有鑒別，除了找擔(dān)保公司外，借款人還可以選擇通過(guò)款的方式來(lái)融資。此種方式指的是借款人用信用、收入等個(gè)人資質(zhì)向銀行直接申請(qǐng)貸款，這樣可以有效降低借款人通過(guò)找中介公司“支援”而產(chǎn)生的附加費(fèi)用。</p><p>不過(guò)對(duì)于收入不高的人群來(lái)說(shuō)，其貸款額度的局限性較大。不過(guò)如果想既保證貸款額度，又能節(jié)省成本的話，借款人還可以在條件允許的情況下，找資質(zhì)較好的親屬來(lái)共同申請(qǐng)貸款。借款人還應(yīng)結(jié)合自己的情況，權(quán)衡選擇哪種貸款方式適合自己。</p><h2>第三進(jìn)行“組合”貸款</h2><p>如果借款人的資質(zhì)較好，但款的額度無(wú)法滿足你資金使用需求的話，也可選擇先申請(qǐng)款，余下的資金通過(guò)找擔(dān)保公司為借款人擔(dān)保來(lái)獲得。這樣可以盡可能達(dá)到利率相對(duì)較低、獲貸額度相對(duì)較大的理想狀態(tài)。</p><p>吱客網(wǎng)小編自認(rèn)為對(duì)<b>財(cái)物損失維權(quán)小知識(shí)</b>耳熟能詳，如果您在<b>房屋抵押注意事項(xiàng)與維權(quán)方法</b>方面有任何疑問(wèn)，不妨咨詢小編吧!相信您一定不會(huì)失望的！</p> <div id="8ecrf0r" class="tags"><a href="/tags/etagid91457-0.html" target="_blank">房屋抵押糾紛</a> <a href="/tags/etagid91458-0.html" target="_blank">房屋抵押維權(quán)賠償</a> <a href="/tags/etagid94597-0.html" target="_blank">住房抵押貸款</a> <a href="/tags/etagid89934-0.html" target="_blank">房屋抵押</a> <a href="/tags/etagid94598-0.html" target="_blank">按揭貸款</a> <a href="/tags/etagid94599-0.html" target="_blank">按揭貸款流程</a> <a href="/tags/etagid91459-0.html" target="_blank">抵押房</a></div> </div> </article> <div id="fbknq4r" class="clearfix"></div>  <section class="left_t aabox"> </section> <section class="right_t aabox"> </section> <div id="db2qumd" class="clearfix"></div>  <section class="otherlink"> <h3 class="list">相關(guān)閱讀</h3> <ul class="list"> <li><a href="/article/202304/160880.html" target="_blank">十三陵不要隨意去參觀巡邏人員遇詭異之事謠言</a></li><li><a href="/article/202308/150613.html" target="_blank">赫哲族“魚(yú)皮藝術(shù)”經(jīng)典</a></li><li><a href="/article/202305/117326.html" 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