我买的二手房 是在中介买的 我在银行已经预约了面签.会不会贷款批不下来?中介是否会会先审核我的资料

2025-03-16 19:24:49
推荐回答(2个)
回答1:

房贷面签后,还有审核、抵押、取他项等手续,还要看贷款银行是否有额度,所以快则15天放款,慢则需要2、3个月。
对于购买一手现房或者二手房的购房者来说,当月放的贷款,银行会要求在次月进行还款,具体还款时间银行会通知。
一般来说,购房贷款需要经过申请、房查、审批、备案、抵押、放款等多个环节。房贷申请是发生在已经按与开发商的约定比支付所购房的首付款,并签订了《商品房销(预)售合同》之后。同时,申请房贷需要以所购房作为抵押。
此条答案由有钱花提供,有钱花是度小满金融(原百度金融)旗下的信贷服务品牌,靠谱利率低,手机端点击下方马上测额,最高可借额度20万。

回答2:

贷款批不批要看银行审核标准,
中介没有资格审核,只能根据他们的经验给你建议,银行批贷款不可能由中介决定。

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