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办ban理li首shou次ci购gou房fang贷dai款kuan可ke能neng有you很hen多duo不bu懂dong的de地di方fang,下xia面mian就jiu来lai讲jiang解jie一yi下xia从cong贷dai款kuan申shen请qing到dao最zui后hou银yin行xing审shen批pi放fang贷dai要yao注zhu意yi哪na些xie问wen题ti?
首shou先xian,因yin为wei现xian在zai处chu于yu政zheng策ce的de不bu断duan变bian动dong和he调tiao整zheng期qi,购gou房fang者zhe一yi定ding要yao随sui时shi关guan注zhu首shou次ci购gou房fang贷dai款kuan政zheng策ce的de变bian化hua。
其qi次ci,要yao注zhu意yi房fang龄ling和he贷dai款kuan年nian限xian之zhi和he不bu要yao偏pian大da。在zai贷dai款kuan的de过guo程cheng中zhong银yin行xing对dui于yu房fang龄ling和he贷dai款kuan的de期qi限xian都dou有you要yao求qiu,大da部bu分fen银yin行xing都dou要yao求qiu房fang龄ling和he贷dai款kuan年nian限xian之zhi和he不bu得de超chao过guo40年nian,有you的de银yin行xing则ze是shi以yi年nian龄ling来lai计ji算suan的de,不bu得de超chao过guo65岁sui,购gou房fang者zhe可ke以yi根gen据ju自zi己ji的de情qing况kuang来lai选xuan择ze合he适shi的de银yin行xing。
此ci外wai,如ru果guo考kao虑lv到dao以yi后hou提ti前qian还huan贷dai的de问wen题ti,需xu要yao注zhu意yi各ge大da银yin行xing对dui于yu提ti前qian还huan款kuan的de要yao求qiu,对dui于yu提ti前qian还huan款kuan各ge个ge银yin行xing门men槛jian和he标biao准zhun都dou不bu同tong,有you的de银yin行xing政zheng策ce比bi较jiao宽kuan松song,正zheng常chang还huan1个ge月yue之zhi后hou就jiu可ke以yi申shen请qing提ti前qian还huan款kuan,有you的de银yin行xing规gui定ding1年nian内nei不bu允yuan许xu提ti前qian还huan款kuan,有you些xie银yin行xing的de规gui定ding更geng加jia严yan格ge。申shen请qing者zhe在zai贷dai款kuan的de过guo程cheng中zhong应ying衡heng量liang自zi身shen的de经jing济ji能neng力li选xuan择ze合he适shi的de银yin行xing,以yi免mian在zai以yi后hou提ti前qian还huan款kuan过guo程cheng由you于yu不bu合he要yao求qiu而er导dao致zhi多duo付fu利li息xi或huo者zhe缴jiao纳na违wei约yue金jin的de情qing况kuang。
住zhu房fang贷dai款kuan利li率lv执zhi行xing人ren民min银yin行xing规gui定ding的de同tong档dang次ci商shang业ye性xing贷dai款kuan利li率lv,可ke在zai各ge银yin行xing规gui定ding的de范fan围wei内nei浮fu动dong。现xian在zai各ge大da银yin行xing对dui首shou套tao房fang的de利li率lv大da部bu分fen在zai85折zhe左zuo右you。购gou房fang者zhe也ye可ke以yi用yong贷dai款kuan计ji算suan器qi算suan一yi算suan自zi己ji的de购gou房fang能neng力li如ru何he,为wei选xuan房fang做zuo好hao充chong分fen准zhun备bei。
办ban理li首shou次ci购gou房fang贷dai款kuan。房fang贷dai的de审shen批pi时shi间jian取qu决jue于yu很hen多duo因yin素su。如ru果guo你ni的de贷dai款kuan银yin行xing刚gang涉she足zu房fang贷dai领ling域yu,相xiang关guan的de保bao险xian公gong司si也ye是shi新xin手shou,查cha证zheng需xu要yao花hua很hen多duo时shi间jian,评ping估gu进jin展zhan的de也ye很hen慢man,在zai贷dai款kuan过guo程cheng中zhong还huan有you很hen多duo其qi他ta的de问wen题ti,那na么me贷dai款kuan银yin行xing可ke能neng会hui说shuo两liang周zhou才cai能neng办ban好hao。现xian在zai房fang贷dai的de审shen批pi时shi间jian一yi般ban是shi一yi个ge月yue左zuo右you。
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【原文】