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注：_blank class=infotextkey>get=_blank class=infotextkey>目前，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房，是_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有抵押，_blank class=infotextkey>get=_blank class=infotextkey>购买跟_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>贷款的。_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>都是_blank class=infotextkey>村委或者_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>开发_blank class=infotextkey>get=_blank class=infotextkey>商与当_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合作，做的_blank class=infotextkey>36厘的利息，_blank class=infotextkey>get=_blank class=infotextkey>使用_blank class=infotextkey>get=_blank class=infotextkey>土_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>贷款。_blank class=infotextkey>get=_blank class=infotextkey>还_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>一种_blank class=infotextkey>get=_blank class=infotextkey>就是民间_blank class=infotextkey>get=_blank class=infotextkey>贷款，_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>35年，.fan_blank class=infotextkey>g558.com/pin_blank class=infotextkey>ghu/ tar_blank class=infotextkey>get=_blank class=infotextkey>平湖，利息9厘9。

_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房 _blank class=infotextkey>get=_blank class=infotextkey>如何_blank class=infotextkey>get=_blank class=infotextkey>贷款相关_blank class=infotextkey>get=_blank class=infotextkey>问答：

问：个_blank class=infotextkey>get=_blank class=infotextkey>人买_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>应该_blank class=infotextkey>get=_blank class=infotextkey>怎么贷?

巧米le 答：_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>概如_blank class=infotextkey>get=_blank class=infotextkey>下：

1、提出 _blank class=infotextkey>get=_blank class=infotextkey>申请。_blank class=infotextkey>get=_blank class=infotextkey>客户向_blank class=infotextkey>get=_blank class=infotextkey>银行提出书_blank class=infotextkey>面借款_blank class=infotextkey>get=_blank class=infotextkey>申请，并提交_blank class=infotextkey>get=_blank class=infotextkey>有关_blank class=infotextkey>get=_blank class=infotextkey>资料。

_blank class=infotextkey>get=_blank class=infotextkey>2、签订_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同。借款_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人在接到_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>有关_blank class=infotextkey>get=_blank class=infotextkey>贷款批准的_blank class=infotextkey>通知后，要到_blank class=infotextkey>get=_blank class=infotextkey>贷款行签订借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同及担_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同，并视_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>公证、抵押_blank class=infotextkey>get=_blank class=infotextkey>登记、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险等相关_blank class=infotextkey>get=_blank class=infotextkey>手续。

_blank class=infotextkey>3、开立账户。_blank class=infotextkey>get=_blank class=infotextkey>选用委托扣除款_blank class=infotextkey>get=_blank class=infotextkey>方式还款的_blank class=infotextkey>get=_blank class=infotextkey>客户需与_blank class=infotextkey>get=_blank class=infotextkey>银行签订委托扣款_blank class=infotextkey>get=_blank class=infotextkey>协议，并在_blank class=infotextkey>get=_blank class=infotextkey>贷款行指_blank class=infotextkey>_blank class=infotextkey>定的营业网点开立还款_blank class=infotextkey>专用的储蓄存折账户或储蓄卡、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用卡账户。_blank class=infotextkey>get=_blank class=infotextkey>同_blank class=infotextkey>时，售_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人要在_blank class=infotextkey>get=_blank class=infotextkey>贷款行开立售_blank class=infotextkey>get=_blank class=infotextkey>房结算账户或存款专户。

4、支用_blank class=infotextkey>get=_blank class=infotextkey>贷款。经_blank class=infotextkey>get=_blank class=infotextkey>贷款行_blank class=infotextkey>get=_blank class=infotextkey>同意发放的_blank class=infotextkey>get=_blank class=infotextkey>贷款，办妥_blank class=infotextkey>get=_blank class=infotextkey>有关_blank class=infotextkey>get=_blank class=infotextkey>手续后，_blank class=infotextkey>get=_blank class=infotextkey>贷款行_blank class=infotextkey>get=_blank class=infotextkey>按照借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同约_blank class=infotextkey>定，将_blank class=infotextkey>get=_blank class=infotextkey>贷款直接转入借款_blank class=infotextkey>get=_blank class=infotextkey>人在_blank class=infotextkey>get=_blank class=infotextkey>贷款行开立的存款账户内，或将_blank class=infotextkey>get=_blank class=infotextkey>贷款一次或分次划入售_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人在_blank class=infotextkey>get=_blank class=infotextkey>贷款行开立的存款账户内。

5、按期还款。借款_blank class=infotextkey>get=_blank class=infotextkey>人按借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同约_blank class=infotextkey>_blank class=infotextkey>定的还款_blank class=infotextkey>计划、还款_blank class=infotextkey>get=_blank class=infotextkey>方式偿还_blank class=infotextkey>get=_blank class=infotextkey>贷款本息。可供_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择的还款_blank class=infotextkey>get=_blank class=infotextkey>方式_blank class=infotextkey>get=_blank class=infotextkey>有委托扣款和柜_blank class=infotextkey>面还款两种_blank class=infotextkey>get=_blank class=infotextkey>方式。

6、_blank class=infotextkey>get=_blank class=infotextkey>贷款结_blank class=infotextkey>get=_blank class=infotextkey>清包括提前结_blank class=infotextkey>get=_blank class=infotextkey>清和正_blank class=infotextkey>get=_blank class=infotextkey>常结_blank class=infotextkey>get=_blank class=infotextkey>清两种。提前结_blank class=infotextkey>get=_blank class=infotextkey>清是指_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>到期日(_blank class=infotextkey>get=_blank class=infotextkey>一次性还本_blank class=infotextkey>get=_blank class=infotextkey>付息类_blank class=infotextkey>get=_blank class=infotextkey>贷款)或_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>最后一期(_blank class=infotextkey>分期偿还类_blank class=infotextkey>get=_blank class=infotextkey>贷款)前结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>贷款;正_blank class=infotextkey>get=_blank class=infotextkey>常结_blank class=infotextkey>get=_blank class=infotextkey>清指在_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>到期日(_blank class=infotextkey>get=_blank class=infotextkey>一次性还本_blank class=infotextkey>get=_blank class=infotextkey>付息类)或_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>最后一期(_blank class=infotextkey>分期偿还类_blank class=infotextkey>get=_blank class=infotextkey>贷款)结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>贷款。如提前结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>贷款，借款_blank class=infotextkey>get=_blank class=infotextkey>人须在_blank class=infotextkey>get=_blank class=infotextkey>清偿应付各项款项后，提前_blank class=infotextkey>get=_blank class=infotextkey>10个_blank class=infotextkey>get=_blank class=infotextkey>工作日向_blank class=infotextkey>get=_blank class=infotextkey>贷款行提出提前结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>申请。_blank class=infotextkey>get=_blank class=infotextkey>贷款结_blank class=infotextkey>get=_blank class=infotextkey>清后，借款_blank class=infotextkey>get=_blank class=infotextkey>人从_blank class=infotextkey>get=_blank class=infotextkey>贷款行_blank class=infotextkey>get=_blank class=infotextkey>领取_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>贷款结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>证明_blank class=infotextkey>get=_blank class=infotextkey>”，取_blank class=infotextkey>get=_blank class=infotextkey>回_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>产权属抵押_blank class=infotextkey>get=_blank class=infotextkey>登记_blank class=infotextkey>get=_blank class=infotextkey>证明文件及_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>单正本，并持_blank class=infotextkey>get=_blank class=infotextkey>贷款行出具的_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>贷款结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>证明到_blank class=infotextkey>原抵押_blank class=infotextkey>get=_blank class=infotextkey>登记_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>部门_blank class=infotextkey>办理抵押_blank class=infotextkey>get=_blank class=infotextkey>登记_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>手续。

招_blank class=infotextkey>get=_blank class=infotextkey>商_blank class=infotextkey>get=_blank class=infotextkey>银行答：若是招行个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>贷款，_blank class=infotextkey>get=_blank class=infotextkey>接受_blank class=infotextkey>get=_blank class=infotextkey>产权明晰、变现能力较_blank class=infotextkey>get=_blank class=infotextkey>强的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商品_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业用_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>作为抵押物，且_blank class=infotextkey>get=_blank class=infotextkey>必须_blank class=infotextkey>get=_blank class=infotextkey>满足以 _blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>条件：

1、用于抵押的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产与_blank class=infotextkey>get=_blank class=infotextkey>贷款经办机构_blank class=infotextkey>get=_blank class=infotextkey>必须_blank class=infotextkey>位于同一_blank class=infotextkey>get=_blank class=infotextkey>城市，个_blank class=infotextkey>get=_blank class=infotextkey>人抵押_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>接受_blank class=infotextkey>get=_blank class=infotextkey>异_blank class=infotextkey>get=_blank class=infotextkey>地抵押物;

_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>接受_blank class=infotextkey>get=_blank class=infotextkey>评估现值在_blank class=infotextkey>get=_blank class=infotextkey>10_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元(_blank class=infotextkey>get=_blank class=infotextkey>含)以 _blank class=infotextkey>get=_blank class=infotextkey>下的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产_blank class=infotextkey>get=_blank class=infotextkey>作为抵押物;

_blank class=infotextkey>3、已办妥_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>证明，_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>清晰，可_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上市_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流通并能_blank class=infotextkey>依法_blank class=infotextkey>办理抵押_blank class=infotextkey>get=_blank class=infotextkey>登记，_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>争议等_blank class=infotextkey>不利变现的_blank class=infotextkey>get=_blank class=infotextkey>情况;

4、具_blank class=infotextkey>get=_blank class=infotextkey>有较_blank class=infotextkey>get=_blank class=infotextkey>强的变现能力，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产结构完好，水、电、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>环_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>交通、城建、_blank class=infotextkey>get=_blank class=infotextkey>物业_blank class=infotextkey>get=_blank class=infotextkey>管理等各项_blank class=infotextkey>get=_blank class=infotextkey>配套设施和_blank class=infotextkey>get=_blank class=infotextkey>服务齐_blank class=infotextkey>get=_blank class=infotextkey>全，_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>存在_blank class=infotextkey>get=_blank class=infotextkey>纠纷和_blank class=infotextkey>get=_blank class=infotextkey>问题，_blank class=infotextkey>不在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政府_blank class=infotextkey>get=_blank class=infotextkey>规划的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>拆迁范围内;

5、抵押物为_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商品_blank class=infotextkey>get=_blank class=infotextkey>房的，_blank class=infotextkey>get=_blank class=infotextkey>房龄_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>超过_blank class=infotextkey>get=_blank class=infotextkey>20年，且_blank class=infotextkey>get=_blank class=infotextkey>贷款/授_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限+_blank class=infotextkey>get=_blank class=infotextkey>房龄，_blank class=infotextkey>原则_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不得_blank class=infotextkey>get=_blank class=infotextkey>超过40年;抵押物为_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业用_blank class=infotextkey>get=_blank class=infotextkey>房的，_blank class=infotextkey>get=_blank class=infotextkey>房龄_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不得_blank class=infotextkey>get=_blank class=infotextkey>超过_blank class=infotextkey>get=_blank class=infotextkey>20年，且_blank class=infotextkey>get=_blank class=infotextkey>贷款/授_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限+_blank class=infotextkey>get=_blank class=infotextkey>房龄，_blank class=infotextkey>原则_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不得_blank class=infotextkey>get=_blank class=infotextkey>超过_blank class=infotextkey>30年;

6、_blank class=infotextkey>原则_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>接受闲置_blank class=infotextkey>get=_blank class=infotextkey>超过6个月的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业用_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>作为抵押物。

_blank class=infotextkey>get=_blank class=infotextkey>具_blank class=infotextkey>get=_blank class=infotextkey>体您的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子是否符_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>条件，_blank class=infotextkey>get=_blank class=infotextkey>需要您_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>时与经办行确认。