【农房贷审批流程】-安居客房产问答

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class="list_header_container" id="list-header-container"> <div id="list_header"> <div class="H"> <a id="comBack" class=" soj back" href="https://m.anjuke.com/bj/" onclick="" tag="community" ref="1"><i class="g-icon"></i> </a> <span id="list_title" class="title" data-soj="">农房贷审批流程</span> <div class="s1" style="display: none"> <input type="text" autocomplete="off" id="" value=""><i></i> </div> <div class="opsBtn">     </div> </div> </div> <div class="listitems" id="allItem"> <ul> <li ><a href="https://m.anjuke.com/bj/sale/">二手房</a></li> <li ><a href="" class="soj" data-soj="m_navigation_community">小区</a></li> <li><a href="https://m.anjuke.com/bj/trendency/" class="soj" data-soj="m_navigation_fj">房价</a></li> <li ><a href="https://m.anjuke.com/bj/tycoon/" >经纪人</a></li> </ul> </div> </header>  <div class="seoCrumb"> 安居客房产问答 > 农房贷审批流程</div> <div class="banner"> <h3>农房贷审批流程</h3> <p>农房贷审批流程相关问题解答，安居客房产经纪人、置业顾问会帮您分析农房贷审批流程相关问题，帮您解决房产问题。</p> </div> <section class="comm-mod"> <h2 class="mod-tit">为您找到"<span class="high">农房贷审批流程</span>"相关问题</h2> <div class="hot-qa-box"> <ul class="qa-home-list"> <li data-href="https://m.anjuke.com/qa/view/d/51094459" > <h1> 请问大理房贷利率是多少？ </h1> <p>基准是4.9，首套房5.39，二套房5.88，商业产权5.88以上，以具体购房为准。</p> <div class="qa-home-time">1回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/da/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/da/ask/jh-100200020001/" >房贷利率</a> <a href="https://m.anjuke.com/da/ask/jh-100200020003/" >利率</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51092383" > <h1> 个人房贷利率新规实施，对有房贷的业主有什么影响？ </h1> <p>近期有存量房利率调整</p> <div class="qa-home-time">2回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/sh/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/sh/ask/jh-100200020001/" >房贷利率</a> <a href="https://m.anjuke.com/sh/ask/jh-100200020003/" >利率</a> <a href="https://m.anjuke.com/sh/ask/jh-100100040007/" >业主</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51092113" > <h1> 房贷利率的计算公式 </h1> <p>1、等额本息还款法“等额本息还款法”又称“月均等额还款法”，目前较为常用，它是在你还贷期限内，以固定的数目每月还贷。也就是说，不仅每年每月本金保持不变，而且每年每月利息保持不变。等额本息的特点是：整个还款期内，每个月的还款额保持不变。贷款人可以准确掌握每月的还款额，有计划的安排家庭的开支。计算公式：总利息=月还款额*贷款月数-本金。月还款额=本金*月利率*[(1月利率)^n[(1月利率)^n-1]。式中n表示贷款月数，^n表示n次方，如^240，表示240次方(贷款20年、240个月)月利率=年利率12。2、等额本金法本金在整个还款期内平均分摊，利息则按贷款本金余额逐日计算。每月还款额逐渐减少，但偿还的速度是保持不变的。这种方式比较适合于还款初期能力较强、并希望在还款初期归还较大款项来减少利息支出的借款人。计算公式：月还款额=本金n剩余本金*月利率;总利息=本金*月利率*(贷款月数20.5)。</p> <div class="qa-home-time">1回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/bj/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/bj/ask/jh-100200020001/" >房贷利率</a> <a href="https://m.anjuke.com/bj/ask/jh-100200020003/" >利率</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51091448" > <h1> 2021八达岭荣盛阿尔卡迪亚看房电话多少？ </h1> <p>八达岭荣盛阿尔卡迪亚电话：八达岭荣盛阿尔卡迪亚二期多少钱一平？楼盘详情介绍最新房价动态，特价房什么情况？上市房企，五证齐全！随时网签，在延庆康庄南，京藏高速康庄65号出口连续两个左转弯直行，即到，二期2020年十二月交付，精装修送车位，法式风格项目！79平85平两居103平110平三居八达岭荣盛波尔多庄园二期准现房，精装修送车位，一期英国花园城现房发售，花园式园林设计，法式风格高端产品！波尔多庄园是集洋房（7层-11层）、联排别墅于一体的复合型项目，其中洋房11层1218户、8层（7层）洋房330户、联排别墅38套，产品线从83平米-144平米应有尽有。且洋房全部为精装交房，联排别墅配备独有的新风除霾系统，对室内的气体进行四层搞笑过滤，有效去除PM2.5、细菌、甲醛等有害气体，为您带来全新的健康生活。获取更多关于八达岭阿尔卡迪亚户型，面积，价格请致电：</p> <div class="qa-home-time">1回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/sz/ask/jh-100200010006/" >看房</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51091336" > <h1> 夫妻一方有征信问题，房贷能办下来吗？ </h1> <p>不行，征信不能出现连三累六的逾期。也可以给银行沟通</p> <div class="qa-home-time">6回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/zz/ask/jh-100200020006/" >房贷</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51090992" > <h1> 外地人买的房，还在还贷款，需要过户到其他人名下怎么操作？ </h1> <p>首先要解押，然后才能办理过户手续</p> <div class="qa-home-time">1回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/xm/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/xm/ask/jh-100200050013/" >还贷</a> <a href="https://m.anjuke.com/xm/ask/jh-100300040002/" >过户</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51090870" > <h1> 集美家具以旧换新流程是什么 </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/sh/ask/jh-100500010014/" >家具</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51090859" > <h1> 能买卖的常见二手房类型有什么 </h1> <p>常见的有住宅，公寓，办公，综合这些性质</p> <div class="qa-home-time">1回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/bj/ask/jh-100000050006/" >二手房</a> <a href="https://m.anjuke.com/bj/ask/jh-100300040005/" >买卖</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51090839" > <h1> 二手房交易违约责任怎么划分 </h1> <p>具体看违约时间内容，如果合同中有对违约条款划分的按照合同来，没有的可以起诉至法院。</p> <div class="qa-home-time">1回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/hf/ask/jh-100000050006/" >二手房</a> <a href="https://m.anjuke.com/hf/ask/jh-100300040004/" >交易</a> <a href="https://m.anjuke.com/hf/ask/jh-100500050014/" >违约</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51089813" > <h1> 【异地缴存公积金并购房用公积金贷款，后公积金转入蚌埠，在蚌埠缴存的公积金还能抵扣外地的住房贷款吗？】本人在上海买房并申请的上海公积金贷款，因工作调动，要回到 </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/bb/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/bb/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/bb/ask/jh-100200040003/" >公积金</a> <a href="https://m.anjuke.com/bb/ask/jh-100200050001/" >公积金贷款</a> <a href="https://m.anjuke.com/bb/ask/jh-100000020073/" >买房</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51087791" > <h1> 土地抵押是否影响商品房买卖 </h1> <p>有同意销售函是不影响商品房买卖的</p> <div class="qa-home-time">1回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/bj/ask/jh-100200050010/" >抵押</a> <a href="https://m.anjuke.com/bj/ask/jh-100500020005/" >土地</a> <a href="https://m.anjuke.com/bj/ask/jh-100000020010/" >商品房</a> <a href="https://m.anjuke.com/bj/ask/jh-100300040005/" >买卖</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51087575" > <h1> 二手房买卖之“违约 ”怎么破 </h1> <p>可以直接走司法程序，</p> <div class="qa-home-time">4回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/bj/ask/jh-100000050006/" >二手房</a> <a href="https://m.anjuke.com/bj/ask/jh-100300040005/" >买卖</a> <a href="https://m.anjuke.com/bj/ask/jh-100500050014/" >违约</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51087279" > <h1> 买房贷款是不是拿不到房产证 </h1> <p>您好，这个跟您房子买的房子产权性质有关，很是否贷款没有关系</p> <div class="qa-home-time">3回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/sh/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/sh/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/sh/ask/jh-100000020073/" >买房</a> <a href="https://m.anjuke.com/sh/ask/jh-100200070007/" >房产证</a> <a href="https://m.anjuke.com/sh/ask/jh-100200070006/" >产证</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51086997" > <h1> 房贷还款选择哪种方式好 </h1> <p>等额本金吧，相对合适一些</p> <div class="qa-home-time">2回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/bj/ask/jh-100200020006/" >房贷</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51086735" > <h1> 2019年，有部分房贷，准备卖房，问卖房流程一般需多少时间完成？ </h1> <p>一般整个交易流程需要1个月左右</p> <div class="qa-home-time">4回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/sh/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/sh/ask/jh-100100040001/" >卖房</a> <a href="https://m.anjuke.com/sh/ask/jh-100100020001/" >卖房流程</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51086372" > <h1> 【如何自助查询公积金贷款进度】个人购新房贷款，材料已交至公积金中心，想知道如何自主查询进度，谢谢。 </h1> <p>这个具体以公积金管理中心为准，一般会给你说最长放款周期，具体要看额度等等因素</p> <div class="qa-home-time">2回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/su/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/su/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/su/ask/jh-100200040003/" >公积金</a> <a href="https://m.anjuke.com/su/ask/jh-100200050001/" >公积金贷款</a> <a href="https://m.anjuke.com/su/ask/jh-100000060002/" >新房</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51086128" > <h1> 经济适用房怎么交易？ </h1> <p>不懂手续费话找个代办就可以，去房管局</p> <div class="qa-home-time">2回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/tj/ask/jh-100000020062/" >经济适用房</a> <a href="https://m.anjuke.com/tj/ask/jh-100300040004/" >交易</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51085934" > <h1> 买房贷款怎么选银行？ </h1> <p>你好，利率基本都是一样的</p> <div class="qa-home-time">2回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/zz/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/zz/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/zz/ask/jh-100200050007/" >银行</a> <a href="https://m.anjuke.com/zz/ask/jh-100000020073/" >买房</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51085723" > <h1> 房贷利率调整日什么意思？ </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/sh/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/sh/ask/jh-100200020001/" >房贷利率</a> <a href="https://m.anjuke.com/sh/ask/jh-100200020003/" >利率</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51084433" > <h1> “房贷20年”和“房贷30年”哪个更划算? </h1> <p>这个要根据自己的实际情况来定的，贷款的时间越长，每个月的还款压力相对于压力小点，总共的还款利息多一些，贷款时间20年比贷款30年，每个月的还款压力大，总共的利息少一点</p> <div class="qa-home-time">1回答<i>|</i>2022-05-14 <a href="https://m.anjuke.com/hz/ask/jh-100200020006/" >房贷</a> </div> </li> </ul> </div> </section> <section class="comm-mod"> <h2 class="mod-tit">问答专家</h2> <div class="expert-info"> <div data-href="https://m.anjuke.com/bj/jjr-7560195/" class="expert-li soj" data-soj="m_wdzj"> <div class="head-img"> <img src="https://spic1.ajkimg.com/i-56biGou6fJvltogT8Jv3yGNlnBlOvLAhvhVYZU96lKeRQGXaUfzOCWvvFbbZr4Tq-yPJgQKu0LwU9tXymGciBnl5kxivbqzSnt34E6XPH4dlDCLHNZDsHOiSMBRW_WqGYC_dGwdokfYpoO9iHMpY1NaOY93GZa2hQKJ0e_UvRbkSGmlPtgAySwABpJUJWp" data-src="https://spic1.ajkimg.com/i-56biGou6fJvltogT8Jv3yGNlnBlOvLAhvhVYZU96lKeRQGXaUfzOCWvvFbbZr4Tq-yPJgQKu0LwU9tXymGciBnl5kxivbqzSnt34E6XPH4dlDCLHNZDsHOiSMBRW_WqGYC_dGwdokfYpoO9iHMpY1NaOY93GZa2hQKJ0e_UvRbkSGmlPtgAySwABpJUJWp" alt="崔腾飞" class=""> </div> <p class="name"><a href="https://m.anjuke.com/bj/jjr-7560195/" data-soj="m_wdzj">崔腾飞</a></p> <p><a href="https://m.anjuke.com/bj/gs-923/" data-soj="m_wdzj"></a></p> <p>0个回答</p> </div> <div data-href="https://m.anjuke.com/bj/jjr-1213390/" class="expert-li soj" data-soj="m_wdzj"> <div class="head-img"> <img src="https://spic1.ajkimg.com/MjscVV0ZyFfze1X9K42moHtA1E5JTpzAau1Du5TokD9jEDyXbttBW30HosOv6cBv1HIEnqG-nwxydt8Xlky0anVa36ZjbuzBb6hVH00FLBf46wQlVhmHaTKecX0YPweE0cR2sRP8-GtPG3am1Sy9VxHt3TSJGr909OAn_4BLRZs8fueoygNVM3-vceqwwSBH" data-src="https://spic1.ajkimg.com/MjscVV0ZyFfze1X9K42moHtA1E5JTpzAau1Du5TokD9jEDyXbttBW30HosOv6cBv1HIEnqG-nwxydt8Xlky0anVa36ZjbuzBb6hVH00FLBf46wQlVhmHaTKecX0YPweE0cR2sRP8-GtPG3am1Sy9VxHt3TSJGr909OAn_4BLRZs8fueoygNVM3-vceqwwSBH" alt="张玉涛" class=""> </div> <p class="name"><a href="https://m.anjuke.com/bj/jjr-1213390/" data-soj="m_wdzj">张玉涛</a></p> <p><a href="https://m.anjuke.com/bj/gs-923/" data-soj="m_wdzj"></a></p> <p>0个回答</p> </div> <div data-href="https://m.anjuke.com/bj/jjr-6875302/" class="expert-li soj" data-soj="m_wdzj"> <div class="head-img"> <img src="https://spic1.ajkimg.com/iZ-7gV_AFKboL0v8ENNktbFpbwSDcJ6GOsYMETqUZ_2FJS0eeROCpPa0oXwDVZV_GL4loRPZ8ETF44OTTzwY0ba-TlR_t0slCH4b7kVENNxS3EroMG8K3WoKdm43tev5Hd6nA4_rD2jNSTzOp7UW-4sUmSM5hL1BAgNY18st57ThQW52HjXX7R3oVPlROuJg" data-src="https://spic1.ajkimg.com/iZ-7gV_AFKboL0v8ENNktbFpbwSDcJ6GOsYMETqUZ_2FJS0eeROCpPa0oXwDVZV_GL4loRPZ8ETF44OTTzwY0ba-TlR_t0slCH4b7kVENNxS3EroMG8K3WoKdm43tev5Hd6nA4_rD2jNSTzOp7UW-4sUmSM5hL1BAgNY18st57ThQW52HjXX7R3oVPlROuJg" alt="王鹤" class=""> </div> <p class="name"><a href="https://m.anjuke.com/bj/jjr-6875302/" data-soj="m_wdzj">王鹤</a></p> <p><a href="https://m.anjuke.com/bj/gs-7037/" data-soj="m_wdzj"></a></p> <p>0个回答</p> </div> </div> </section> <section class="comm-mod"> <h2 class="mod-tit">相关房源推荐</h2> <div class="mod-house pro exposure" > <a data-trace="{}" href="https://m.anjuke.com/bj/sale/S3874842854157314/?isauction=" class="house-li sojsend" data-soj="trendency_rec1"> <img src="https://pic1.ajkimg.com/display/hj/8759e0fdcfd9ce9cfcf79db4911d308c/240x180c.jpg?t=1" class="imglazyload" width="107" height="78" alt=""> <div class="house-info"> <h3>双井百环家园 2室 1厅</h3> <p class="f01">朝阳-双井 百环家园</p> <p class="info-des"> <span class="room f01"> 2室1厅 100.18m² </span> <span class="price"><em>508</em>万</span> </p> <p class="info-label"> </p> </div> </a> <a data-trace="{}" href="https://m.anjuke.com/bj/sale/S3965251041680394/?isauction=" class="house-li sojsend" data-soj="trendency_rec1"> <img src="https://pic1.ajkimg.com/display/hj/fbed4df361737479d701e6e7b4cd7192/240x180c.jpg?t=1" class="imglazyload" width="107" height="78" alt=""> <div class="house-info"> <h3>百子湾沿海赛洛城五期 2室 1厅东南两居满五 </h3> <p class="f01">朝阳-百子湾 沿海赛洛城(北区)</p> <p class="info-des"> <span class="room f01"> 2室1厅 83.91m² </span> <span class="price"><em>458</em>万</span> </p> <p class="info-label"> </p> </div> </a> </div> </section> <section class="comm-mod"> <h2 class="mod-tit">相关小区推荐</h2> <div class="mod-house rim exposure" > <a href="https://m.anjuke.com/bj/community/51951/" class="house-li soj" > <img src="http://pic3.ajkimg.com/ajk/53df393f3d2bbb603b1b6805537256e5/180x135c.jpg" class="imglazyload" width="107" height="78" alt=""> <div class="house-info"> <h3>当代城市家园</h3> <p 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href="https://m.anjuke.com/gz/ask/jh-100000060002/" data-soj="m_rmwd_bq">新房</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51084004" data-soj="m_rmwd"> <h1> 二手房买卖需要注意什么?过户如何办理? </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-14 <a href="https://m.anjuke.com/hz/ask/jh-100000050006/" data-soj="m_rmwd_bq">二手房</a> <a href="https://m.anjuke.com/hz/ask/jh-100300040005/" data-soj="m_rmwd_bq">买卖</a> <a href="https://m.anjuke.com/hz/ask/jh-100300040002/" data-soj="m_rmwd_bq">过户</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51083984" data-soj="m_rmwd"> <h1> 鸿威翡翠城售楼处400看房电话【官方发布】 </h1> <p>您可以在安居客上搜索下</p> <div class="qa-home-time">1回答<i>|</i>2022-05-14 <a href="https://m.anjuke.com/bj/ask/jh-100200010006/" data-soj="m_rmwd_bq">看房</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51083654" data-soj="m_rmwd"> <h1> 满不满五年是指从房本时间截止到网签时间还是过户时间 </h1> <p>满，五年，指的是交房过后拿到产权后</p> <div class="qa-home-time">5回答<i>|</i>2022-05-14 <a href="https://m.anjuke.com/cd/ask/jh-100500040007/" data-soj="m_rmwd_bq">满五年</a> <a href="https://m.anjuke.com/cd/ask/jh-100200070010/" data-soj="m_rmwd_bq">房本</a> <a href="https://m.anjuke.com/cd/ask/jh-100300020004/" data-soj="m_rmwd_bq">网签</a> <a href="https://m.anjuke.com/cd/ask/jh-100300040002/" data-soj="m_rmwd_bq">过户</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51082547" data-soj="m_rmwd"> <h1> 离婚后，房产过户需要注意什么？ </h1> <p>根据中华人民共和国婚姻法、中华人民共和国城市房地产管理法和城市房地产权属登记管理办法等法律法规的具体规定，离婚后的房产应及时办理过户登记。一、相关法律中华人民共和国婚姻法中华人民共和国城市房地产管理法城市房地产权属登记管理办法等法律法规二、方法步骤 1、准备材料原夫妻双方的身份证明、民政部门出具的离婚协议书（或法院判决书）、房权证、派出所的房屋座落证明、土地证（或复印件）、产权变更确权审批表； 2、测绘公司双方带着上述材料到房管部门测绘公司申请测绘，出具新的测绘图，缴纳测绘费；测绘费1.36元平方； 3、评估公司带着新的测绘图和上述材料，到房管部门和税务部门委托的评估公司申请评估；评估公司受理后按评估程序对所委托评估房屋出具评估报告，缴纳评估费。评估费0.3%-0.5%(评估额,允许浮动)；若夫妻打好离婚协议的话，变更房产是不需要评估的，但有些地方房管部门要求评估：理由是“真实的摸清该离婚房产的价格”； 4、房管部门受理窗口带着上述材料，到房管部门受理窗口申请产权变更，房管部门工作人员确认材料真伪、详细问询，必须时记录并签字；确认无误后受理，进入审批程序；离婚房产变更，属于共有财产变更，按规定不需要缴纳契税、营业税、个税、交易费等； 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