个人贷款买房有哪些方法-房屋质量以及买卖法律援助-法律咨询免费平台-国际律师联盟

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问题	个人贷款买房有哪些方法
释义	可以是住房公积金贷款，前提是你要有良好的征信以及不要断缴公积金，它不仅具有政策补贴性质，而且贷款利率很低。或者是个人住房商业性贷款，条件是你要在贷款银行有存款余额占购买住房所需资金额的比例不低于30%，并且作为购房首期付款。公积金贷款不够的情况下，个人住房组合贷款也是可以的，贷款利率也比较适中。法律依据：《中华人民共和国民法典》第五百六十三条出卖人迟延交付房屋或者买受人迟延支付购房款，经催告后在三个月的合理期限内仍未履行，解除权人请求解除合同的，应予支持，但当事人另有约定的除外。
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