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class=infotextkey>get=_blank class=infotextkey>房产抵押率_blank class=infotextkey>get=_blank class=infotextkey>标准执行_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>银行总行_blank class=infotextkey>get=_blank class=infotextkey>有关文件_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定。_blank class=infotextkey>get=_blank class=infotextkey>由于各_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地区_blank class=infotextkey>get=_blank class=infotextkey>存在差_blank class=infotextkey>get=_blank class=infotextkey>异，请您详询_blank class=infotextkey>get=_blank class=infotextkey>贷款经办机构。

问：_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>房产作抵押_blank class=infotextkey>get=_blank class=infotextkey>可以 _blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>贷款吗?

答：一、_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>房能抵押_blank class=infotextkey>get=_blank class=infotextkey>贷款吗?

《_blank class=infotextkey>get=_blank class=infotextkey>关于_blank class=infotextkey>get=_blank class=infotextkey>农村_blank class=infotextkey>get=_blank class=infotextkey>集_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>土_blank class=infotextkey>get=_blank class=infotextkey>地确权_blank class=infotextkey>get=_blank class=infotextkey>登记发证的若干_blank class=infotextkey>get=_blank class=infotextkey>意见》_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>明确指出 _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>_blank class=infotextkey>不得_blank class=infotextkey>get=_blank class=infotextkey>登记发证，而_blank class=infotextkey>get=_blank class=infotextkey>银行抵押_blank class=infotextkey>get=_blank class=infotextkey>贷款的前提_blank class=infotextkey>get=_blank class=infotextkey>条件是_blank class=infotextkey>get=_blank class=infotextkey>必须_blank class=infotextkey>get=_blank class=infotextkey>提供_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产_blank class=infotextkey>get=_blank class=infotextkey>证明。

众所周知，_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>房因为_blank class=infotextkey>get=_blank class=infotextkey>国家_blank class=infotextkey>不承认，也_blank class=infotextkey>不予_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>登记_blank class=infotextkey>get=_blank class=infotextkey>手续，因此，_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>不_blank class=infotextkey>get=_blank class=infotextkey>可以在_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>进行抵押_blank class=infotextkey>get=_blank class=infotextkey>贷款的。

当然，这并_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>代表着_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>无法_blank class=infotextkey>办理抵押_blank class=infotextkey>get=_blank class=infotextkey>贷款。_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>购买者_blank class=infotextkey>get=_blank class=infotextkey>可以在民_blank class=infotextkey>get=_blank class=infotextkey>间的担_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>办理抵押_blank class=infotextkey>get=_blank class=infotextkey>贷款或者个_blank class=infotextkey>get=_blank class=infotextkey>人借贷。

二、_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>如何抵押_blank class=infotextkey>get=_blank class=infotextkey>贷款?

1、确_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>贷款对象与范围。

_blank class=infotextkey>get=_blank class=infotextkey>贷款对象：一是无_blank class=infotextkey>不良_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用_blank class=infotextkey>get=_blank class=infotextkey>记录且_blank class=infotextkey>get=_blank class=infotextkey>有一_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>经营_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入和_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>意愿的当_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>农户;二是已_blank class=infotextkey>办理_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>房产证的_blank class=infotextkey>农户;_blank class=infotextkey>get=_blank class=infotextkey>三是已交_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>土_blank class=infotextkey>get=_blank class=infotextkey>地出让价款，并已_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>集_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>土_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>使用权证的_blank class=infotextkey>农户。

_blank class=infotextkey>get=_blank class=infotextkey>贷款范围：在_blank class=infotextkey>get=_blank class=infotextkey>试点推行期间_blank class=infotextkey>get=_blank class=infotextkey>贷款范围_blank class=infotextkey>get=_blank class=infotextkey>限_blank class=infotextkey>定在_blank class=infotextkey>get=_blank class=infotextkey>旅_blank class=infotextkey>get=_blank class=infotextkey>游景点内_blank class=infotextkey>农户和县城_blank class=infotextkey>get=_blank class=infotextkey>周边_blank class=infotextkey>get=_blank class=infotextkey>商贸、_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>农户。

_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>审核_blank class=infotextkey>get=_blank class=infotextkey>贷款与农_blank class=infotextkey>get=_blank class=infotextkey>房权属。

在对_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>审核_blank class=infotextkey>get=_blank class=infotextkey>上，_blank class=infotextkey>get=_blank class=infotextkey>满足二个前提_blank class=infotextkey>get=_blank class=infotextkey>条件：一是出具_blank class=infotextkey>get=_blank class=infotextkey>农村_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房坐落_blank class=infotextkey>get=_blank class=infotextkey>地权_blank class=infotextkey>单位作出的_blank class=infotextkey>get=_blank class=infotextkey>土_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>使用权随_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房抵押，抵押权_blank class=infotextkey>get=_blank class=infotextkey>实现_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>同意_blank class=infotextkey>get=_blank class=infotextkey>处置的书_blank class=infotextkey>面_blank class=infotextkey>get=_blank class=infotextkey>证明，二是_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>农村_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房抵押_blank class=infotextkey>get=_blank class=infotextkey>登记的_blank class=infotextkey>农户，应在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋或其抵押_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产变卖_blank class=infotextkey>get=_blank class=infotextkey>处置后仍_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>安居之_blank class=infotextkey>get=_blank class=infotextkey>地。

在对_blank class=infotextkey>农户权属_blank class=infotextkey>get=_blank class=infotextkey>审核_blank class=infotextkey>get=_blank class=infotextkey>上，由农行_blank class=infotextkey>get=_blank class=infotextkey>基层营业所和当_blank class=infotextkey>get=_blank class=infotextkey>地村、镇_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>共同对_blank class=infotextkey>农户提交的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证、_blank class=infotextkey>get=_blank class=infotextkey>土_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>使用证等_blank class=infotextkey>合法权证_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>真实性_blank class=infotextkey>get=_blank class=infotextkey>进行_blank class=infotextkey>get=_blank class=infotextkey>审核，并_blank class=infotextkey>get=_blank class=infotextkey>提供_blank class=infotextkey>get=_blank class=infotextkey>审核书_blank class=infotextkey>面_blank class=infotextkey>get=_blank class=infotextkey>证明。

_blank class=infotextkey>3、确_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>方式与授_blank class=infotextkey>get=_blank class=infotextkey>信。对经_blank class=infotextkey>get=_blank class=infotextkey>审核符_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>条件的_blank class=infotextkey>农户，由农行_blank class=infotextkey>get=_blank class=infotextkey>提供_blank class=infotextkey>农户_blank class=infotextkey>get=_blank class=infotextkey>大额_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产抵押_blank class=infotextkey>get=_blank class=infotextkey>贷款。_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>金额为_blank class=infotextkey>get=_blank class=infotextkey>一次性授_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>高额_blank class=infotextkey>30_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元的，_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率执行_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上浮_blank class=infotextkey>get=_blank class=infotextkey>20%以 _blank class=infotextkey>get=_blank class=infotextkey>下的优_blank class=infotextkey>get=_blank class=infotextkey>惠_blank class=infotextkey>get=_blank class=infotextkey>利率，三_blank class=infotextkey>get=_blank class=infotextkey>年内周转_blank class=infotextkey>get=_blank class=infotextkey>使用。

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邢177594_blank class=infotextkey>get=_blank class=infotextkey>096 1分钟前：

_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保障，_blank class=infotextkey>get=_blank class=infotextkey>便宜也_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>敢买