一、工商银行diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利率是多少?
1、 从房屋diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款开始,什么是房屋diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款?指的是借款人以自己或第三人的房产作抵押向银行申请daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款,用于买che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车、买房等综合性消费,借款人再分期或一次性向银行还本付息的一种信贷方式。
2、daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款所具备的条件:年满18-60周岁,具有完全民事行为能力的自然人,有长期稳定的足以支付每月daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款本息的收入来源;房屋的产权要明晰,未做任何其他抵押;房龄加上daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款年限不超过40年;房产共有人认可其有关借款及担保行为,并愿意承担相关法律责任。
3、抵押房屋需要您带上下面的资料:身份证、hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">户口本;个人收入证明(加盖单位公章);所在单位营业执照复印件(加盖公章);jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">结婚证;借款人配偶身份证、hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">户口簿;房屋所有权证、原购房协议正本和复印件;房屋所有人及共有权人同意抵押的公证书及daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款用途证明;担保人(需要提供身份证、hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">户口本、结(未)婚证等。
4、daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款金融、年限。房产抵押消费daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款起点金为5000元,最高额度不得超过抵押房产评估价值的70%,daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款期限一般不超过五年,最长可到十年。
二、diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款特征
(1)房屋抵押是原债权债务关系的担保,原债权债务关系是主hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同,房屋抵押是从hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同,它以原主hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同的合法有效存在为前提条件,本身不能独立存在。
(2)抵押的房屋可以由抵押权人保管,也可以由抵押人保管,通常情况下由抵押人保管。保管人应谨慎保养所抵押房屋。
(3)负有清偿债务义务的一方不履行义务时,房屋抵押人可以直接行使房屋抵押权,不依靠债务人的行为即可实现其权利。
(4)抵押物须是房屋,房屋抵押人可以是债务人,也可以是第三人,抵押人必须对抵押的房屋拥有所有权,如果抵押房屋是国有房屋,则抵押人必须对该抵押房屋享有处分权。
(5)房屋抵押权的设定,一般采用书面形式,并应明确规定担保的范围。
(6)房屋抵押人将房屋抵押后,并不丧失房屋的所有权,因此,抵押人应自己承担房屋意外灭失的风险。
(7)房屋抵押权是一种担保物权。如果房屋抵押人未经房屋抵押权人同意,将抵押房屋转给第三人时,房屋抵押权人对抵押的房屋享有追索权,房屋受让人因此受到的损失,由房屋抵押人承担。
有关工商银行diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的利率应当向当地的工商银行咨询办理,在司法实践中,不同时期的diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利率也是不同的。国家通过宏观调控,并通过对diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">diyadaikuan/" target="_blank">抵押daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利率进行调整以达到调整经济的目的,具体情况应当由工商银行的管理部门根据实际情况而定。