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房贷拒绝后多久能换银行申请 -法律知识
释义
法律分析:
房贷被拒建议3个月后再申请贷款,也可选择在其他家申请房贷,建议是询问银行工作人员确认贷款被拒原因,解决问题后再申请房贷。
法律依据:
《个人贷款暂行办法》 第十一条 个人贷款申请应具备以下条件:
(一)借款人为具有完全民事行为能力的中华人民共和国公民或符合国家有关规定的境外自然人;
(二)贷款用途明确合法;
(三)贷款申请数额、期限和币种合理;
(四)借款人具备还款意愿和还款能力;
(五)借款人信用状况良好,无重大不良信用记录;
(六)贷款人要求的其他条件。。
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更新时间:2025/5/2 8:16:21