什么样的人不能申请住房贷款
提问者 :
逍遥傲
时间 :
2012-03-01 15:38:00
所属分类 :
买房-贷款办理-贷款流程
回答详情
共有3个回答
-
宋江脚踢松花蛋
之前逾期记录超过6次以上的,在北京没有单位,没有收入来源的
2012-03-04 20:17:00
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刘子明
未成年
2012-03-04 18:06:00
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楠楠寰寰
以建设银行为例,借款人在建设银行申请个人住房贷款必须具备下列条件: 一、有合法的居留身份;申请政策性个人住房贷款的,应有当地常住房口; 二、有稳定的职业和收入; 三、有按期偿还贷款本息的能力; 四、有贷款行认可的资产进行抵押或质押,或(和)有符合规定条件的保证人为其担保。 五、有购买住房的合同或协议; 六、提出借款申请时,在建设银行有不低于购买住房所需资金30%的存款,申请政策性个人住房贷款的,应按规定在建设银行交存住房公积金; 七、贷款行规定的其他条件。
2012-03-04 16:57:00
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