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办理按揭买房需要满足哪些条件
释义
法律分析:办理按揭买房需要满足的条件有:
1.有贷款资格,一般首套和二套房可以贷款,第三套房银行就禁贷
2.有首付款资金,有合法有效的购房合同;
3.信用记录良好。征信差贷款不通过,或者贷款额度低;
4.有稳定收入,人月银行流水必须要在月还款额的2倍以上。
法律依据:《贷款通则》 第四条 借款人与贷款人的借贷活动应当遵循平等、自愿、公平和诚实信用的原则。
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更新时间:2025/10/6 8:04:21