用房产向银行或其他金融机构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，可以帮助当事人及时的解决用钱需要，但与此同时银行方面也会根据实际情况收取一定的daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款利息。那么这个房产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">贷款利息是多少呢？我们一起在下文中进行了解。
一、房产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">贷款利息是多少
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">贷款的年利率分两个阶段：(以5年为界)
1、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">贷款期限为5年以下(含5年)的：daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款年利率为4.77%;
2、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">贷款期限为5年以上的，daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款年利率为5.04%(按各地政府实际情况定)。
daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款期限：一般最长不超过30年。
daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款额度：最高为所购(大修)住房全部价款或评估价值(以低者为准)的80%。
二、怎么办理房屋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
(一)什么人可以成为房屋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">贷款的对象?
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">贷款的对象可以是具有完全民事行为能力的中国公民，在中国大陆有居留权的具有完全民事行为能力的港澳台自然人，在中国大陆境内有居留权的具有完全民事行为能力的外国人。除外，还应满足以下条件：
1、有合法的身份;
2、有稳定的经济收入，有偿还daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款本息的能力，无不良信用记录;
3、有合法有效的购房hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同;
4、以新购住房作最高额抵押的，须具有合法有效的购房hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同，房龄在10年以内，且备有或已付不少于所购住房全部价款30%的首付款;
5、已购且办理了住房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，原住房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">贷款已还款一年以上，daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款余额小于抵押住房价值的60%，且用作抵押的住房已取得房屋权属证书，房龄在10年以内;
6、能够提供daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款行认可的有效担保;
7、daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款行规定的其他条件。
(二)办理房屋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">贷款需要的基本材料
1、房产证
2、权利人及配偶的身份证
3、权利人及配偶的hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">hukou/" target="_blank">户口本
4、权利人的婚姻证明(jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">jiehun/" target="_blank">结婚证或民政局开具的未婚证明)
5、收入证明
6、如房产证权利人有未成年儿童,请提供出生证
7、如房产内还有yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">yinxingdaikuan/" target="_blank">银行daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款,请提供原daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同及最后一期的银行对帐单
8、为提高daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款通过率，请尽量多的提供家庭其他财产证明(如另处房产证、股票、基金、现金存折、che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">che/" target="_blank">车辆行驶证等等)
(三)办理房屋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">贷款的主要流程
1、借款人贷前填写居民住房抵押申请书。
2、银行对借款人的daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款申请、购房hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同、协议及有关材料进行审查。
3、借款人将抵押房产的产权证书及保险单或有价证券交银行收押。
4、借贷双方担保人签订住房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hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同并进行公证。
5、daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同签订并经公证后，银行对借贷人的存款和daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款，通过转账方式划入购房hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同或协议指定的售房单位或建房单位。
6、结清daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款。daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款结清包括正常结清和提前结清两种。
①正常结清：在daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款到期日(一次性还本付息类)或daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款最后一期(分期偿还类)结清daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款;
②提前结清：在daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款到期日前，借款人如提前部分或全部结清daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款，须按借款hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">hetong/" target="_blank">合同约定，提前向银行提出申请，由银行审批后到指定会计柜台进行还款。
7、daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款结清后，借款人应持本人有效身份证件和银行出具的daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款结清凭证，领回由银行收押的法律凭证和有关证明文件，并持daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款结清凭证，到原抵押登记部门办理抵押登记注销手续。
现实中，计算房产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">贷款的利息往往是根据daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的年限进行计算的，一般来讲daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的时间短，那么利息就要相对低一些。时间长，那么利息就要高一些。具体的利率还需要详细咨询daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">daikuan/" target="_blank">贷款的银行才能了解的比较清楚。