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·首页 > 房产新闻 > 申请房贷要抢时间

申请房贷要抢时间

更新时间:2011-06-24 21:27:51 - 来源:商丘第一房 点击数:456 >> 我要发表评论

    住房按揭贷款越来越难,一个是额度方面的原因,这个已经是老生常谈;一个是收益上的原因,经营性贷款的收益更高。大致来说,2011年时间即将过半,额度已经过半了。而且6月中下旬作为二季度的季末,又适逢存贷比考核,放款就会更加不畅。

    除通过担保、民间融资等手段以外,开发商以“移花接木”手段试图获得银行贷款的苗头开始出现。一房企人士告诉记者,房地产企业向商业银行贷款的时候,可以把商业房地产项目和普通住宅项目,以接近一比一的比例混合。以商业项目为标的,向银行贷款,但控制商业地产项目的进度,用贷得的款项优先投资普通住宅项目。

    对于准备出手买房的消费者,专家建议应该及早办理申贷手续。7月份进入了下半年,也是三季度的第一个月,如果现在准备好了材料,7月份就有可能较顺利地得到放款。而再往后,放款肯定会越来越难。

  “以前一些媒体所说的‘停贷’没有依据。银行额度每季、每月、每周都有不同,不可能有真正意义上的停贷。其实我们银行的额度还比较宽松,只要符合条件,一周内批复没问题,半月内放款在理论上也没问题。”


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