二手房贷款的条件是什么-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	二手房贷款的条件是什么
释义	1.借款申请人须建立住房公积金账户12个月(含)以上，同时足额正常缴存住房公积金12个月(含)以上(正常缴存包括按月连续缴存、预缴、补缴住房公积金)，且申请贷款时处于缴存状态 2.对于经中心审批同意，处于缓缴状态的单位，其职工在满足建立住房公积金账户12个月(含)以上，且足额正常缴存住房公积金12个月(含)以上的条件下，可以申请贷款 3.借款申请人可为在职期间缴存住房公积金的离退休职工 4.借款申请人夫妻双方不得有尚未还清的公积金贷款记录或是政策性贴息业务记录。
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