申请个人住房贷款的条件
2010
06/12
14:33
3091
1 、在中国境内具有合法居民居留身份和完全民事行为能力的自然人，年龄一般在 18 周岁以上不超过 65 周岁。
2 、有稳定的经济收入，信用良好，有偿还贷款本息的能力。
3 、有合法有效的购买（建造、大修）住房的合同、协议的以及贷款银行要求提供的其他证明文件。
4 、有所购（建造、大修）住房全部价款 30% 以上的自筹资金，并保证用于支付购买（建造、大修）住房的首付款。
5 、有贷款银行认可的资产进行抵押或质押，或（和）有足
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