近几年来，房价一直居高不下，大多数的购房者都选择通过个人商业daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的方式购房，既然是daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款，那肯定就有利率，那个人商业daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利率是多少呢?下面，小编来和大家一起了解。
一、个人商业daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利率是多少
(一)个人住房gongjijin/" target="_blank">gongjijin/" target="_blank">gongjijin/" target="_blank">gongjijin/" target="_blank">gongjijin/" target="_blank">gongjijin/" target="_blank">gongjijin/" target="_blank">gongjijin/" target="_blank">gongjijin/" target="_blank">gongjijin/" target="_blank">gongjijin/" target="_blank">公积金daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款
五年以下(含五年) 3.33%
五年以上 3.87%
(二)各项daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款%
六个月 4.86%
一 年 5.31%
一至三年 5.40%
三至五年 5.76%
五年以上 5.94%
二、个人商业daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款申请条件
1、 具有合法有效的身份证明。
本市居民的身份证、hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">户口薄;外省市居民除身份证、hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">户口薄外，还需提供所在地户籍管理部门提供的户籍证明或暂住证;境外人士提供护照;未满18周岁需提供出生证或独生子女证。
2、 必须有稳定合法的经济收入，能够提供相应的收入和资产证明。
收入证明由借款人所在的工作单位出具，加盖gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">gongsi/" target="_blank">公司人事章或公章加营业执照复印件;getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">getihu/" target="_blank">个体户、私营、民营借款人可提供近三个月税票和营业执照复印件;所开具的月收入超过2000元人民币的，应提供税单或其他资产证明(银行存单、有价证券、投资证明、房产等)
3、 具有完全民事行为能力的自然人，无不良信用记录。
4、 与卖方签定有效的购房hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同或购房协议。
5、 支付了规定比例的首付款(一般是不低于所购房屋总价的30%)或在daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款银行存入了不低于首付款的存款。
6、 daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人年龄在18-65周岁，不同年龄所daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款年限的限制有所不同。
7、 daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款银行规定的其他条件。
《个人daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款管理暂行办法》第十一条 个人daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款申请应具备以下条件:
(一)借款人为具有完全民事行为能力的中华人民共和国公民或符合国家有关规定的境外自然人;
(二)daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款用途明确合法;
(三)daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款申请数额、期限和币种合理;
(四)借款人具备还款意愿和还款能力;
(五)借款人信用状况良好，无重大不良信用记录;
(六)daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款人要求的其他条件。