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相关_blank class=infotextkey>get=_blank class=infotextkey>问答
问：_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程是_blank class=infotextkey>get=_blank class=infotextkey>怎样的
答：_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>贷款的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程：
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_blank class=infotextkey>3)借款_blank class=infotextkey>get=_blank class=infotextkey>人凭_blank class=infotextkey>get=_blank class=infotextkey>贷款意向书与售、建_blank class=infotextkey>单位签订购建_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同或_blank class=infotextkey>get=_blank class=infotextkey>协议。
4)借款_blank class=infotextkey>get=_blank class=infotextkey>人与_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行签订抵押_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同，将自筹_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金存入_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行。
5)借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>办理担_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>手续：用_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产抵押的借款_blank class=infotextkey>get=_blank class=infotextkey>人到_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>部门_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋他项权证和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地产抵押确认书。用_blank class=infotextkey>get=_blank class=infotextkey>有价证券质押的，将_blank class=infotextkey>get=_blank class=infotextkey>有价证券交_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>收押，签订借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同。
6)用于_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>贷款，由_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行将_blank class=infotextkey>get=_blank class=infotextkey>贷款连同借款_blank class=infotextkey>get=_blank class=infotextkey>人存款一并划转到售_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>单位账户，用于建_blank class=infotextkey>get=_blank class=infotextkey>修_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>贷款，借款_blank class=infotextkey>get=_blank class=infotextkey>人按借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同支付。
需_blank class=infotextkey>get=_blank class=infotextkey>注意的_blank class=infotextkey>get=_blank class=infotextkey>问题：
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class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>大额度、_blank class=infotextkey>最长_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款。而对因未缴存_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金而无缘_blank class=infotextkey>get=_blank class=infotextkey>申请个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款的个_blank class=infotextkey>get=_blank class=infotextkey>人，则_blank class=infotextkey>get=_blank class=infotextkey>可以用所购期_blank class=infotextkey>get=_blank class=infotextkey>房作抵押、或_blank class=infotextkey>get=_blank class=infotextkey>有足够_blank class=infotextkey>get=_blank class=infotextkey>代偿能力的_blank class=infotextkey>单位与_blank class=infotextkey>get=_blank class=infotextkey>自然_blank class=infotextkey>get=_blank class=infotextkey>人作担_blank class=infotextkey>get=_blank class=infotextkey>保，向_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>申请一_blank class=infotextkey>定额度与_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限的_blank class=infotextkey>get=_blank class=infotextkey>银行个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>贷款。
_blank class=infotextkey>get=_blank class=infotextkey>2)要根据_blank class=infotextkey>get=_blank class=infotextkey>今后是否提前还贷来科学_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择月还款_blank class=infotextkey>get=_blank class=infotextkey>方式。_blank class=infotextkey>get=_blank class=infotextkey>目前_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>主要_blank class=infotextkey>get=_blank class=infotextkey>提供等额本息还款法和等本_blank class=infotextkey>不等息还款法两种_blank class=infotextkey>get=_blank class=infotextkey>方式。故此，_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>今后_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>打算提前还款的，应_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择后种月还款_blank class=infotextkey>get=_blank class=infotextkey>方式，将_blank class=infotextkey>get=_blank class=infotextkey>可以减_blank class=infotextkey>get=_blank class=infotextkey>少_blank class=infotextkey>get=_blank class=infotextkey>贷款总利息支出。
问：_blank class=infotextkey>get=_blank class=infotextkey>全款和_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>那个_blank class=infotextkey>get=_blank class=infotextkey>划算
答：_blank class=infotextkey>get=_blank class=infotextkey>一次性付款是_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者与_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>开发_blank class=infotextkey>get=_blank class=infotextkey>商_blank class=infotextkey>get=_blank class=infotextkey>签约后，立刻将_blank class=infotextkey>get=_blank class=infotextkey>全额_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房款一次付_blank class=infotextkey>get=_blank class=infotextkey>清。_blank class=infotextkey>get=_blank class=infotextkey>一般来说_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>开发_blank class=infotextkey>get=_blank class=infotextkey>商都_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>有9.59.8折左右的折扣优_blank 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class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋的_blank class=infotextkey>get=_blank class=infotextkey>产权，具_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>作为_blank class=infotextkey>get=_blank class=infotextkey>其他_blank class=infotextkey>get=_blank class=infotextkey>投资抵押物的_blank class=infotextkey>get=_blank class=infotextkey>资格。此种付款_blank class=infotextkey>get=_blank class=infotextkey>方式_blank class=infotextkey>get=_blank class=infotextkey>适_blank class=infotextkey>合于手_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>比较_blank class=infotextkey>get=_blank class=infotextkey>充足的_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者，既_blank class=infotextkey>get=_blank class=infotextkey>可以省去_blank class=infotextkey>get=_blank class=infotextkey>每月还款的_blank class=infotextkey>get=_blank class=infotextkey>麻烦，还_blank class=infotextkey>get=_blank class=infotextkey>可以免去_blank class=infotextkey>get=_blank class=infotextkey>贷款的巨额利息，可谓省_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>又省力。如_blank class=infotextkey>get=_blank class=infotextkey>购买期_blank class=infotextkey>get=_blank class=infotextkey>房。_blank class=infotextkey>get=_blank class=infotextkey>一次性付款_blank class=infotextkey>get=_blank class=infotextkey>需要_blank class=infotextkey>get=_blank class=infotextkey>筹集_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>大量的_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金，_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济能力较强者_blank class=infotextkey>get=_blank class=infotextkey>又希望_blank class=infotextkey>get=_blank class=infotextkey>通过此_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>进行_blank class=infotextkey>get=_blank class=infotextkey>其他_blank class=infotextkey>get=_blank class=infotextkey>方_blank class=infotextkey>面的_blank class=infotextkey>get=_blank class=infotextkey>投资所以是以损失_blank class=infotextkey>get=_blank class=infotextkey>这些_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金可能_blank class=infotextkey>get=_blank class=infotextkey>带来的_blank class=infotextkey>收益为_blank class=infotextkey>get=_blank class=infotextkey>代价;对_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济能力_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>限的_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者来说，_blank class=infotextkey>get=_blank class=infotextkey>压力过_blank class=infotextkey>get=_blank class=infotextkey>大。因此，对_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择_blank class=infotextkey>get=_blank class=infotextkey>一次性付款_blank class=infotextkey>get=_blank class=infotextkey>购买期_blank class=infotextkey>get=_blank class=infotextkey>房的来说，应把_blank class=infotextkey>get=_blank class=infotextkey>自己所_blank class=infotextkey>get=_blank class=infotextkey>得到的折扣_blank class=infotextkey>get=_blank class=infotextkey>回报与所承担的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>风险作一番_blank class=infotextkey>get=_blank class=infotextkey>仔细的_blank class=infotextkey>get=_blank class=infotextkey>比较和_blank class=infotextkey>get=_blank class=infotextkey>分析。
