我是个网友 发表于 2018-9-15 15:54:02

如果不留心这4个方面，贷款买房时你得多白掏十几万！

<section data-role="paragraph" class="_135editor" style="border: 0px none;"><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium; text-align: center;"><br/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">现在的房价高，房贷利率又上浮了不少，我们的购房成本相对来说也被拉升了不少，这让很多人都为之苦恼。<br/></span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><span style="font-size: 16px; color: #333333; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　<br style="font-size: 14px;"/></span></p><center style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; white-space: normal; font-size: 14px; text-align: center;"><img src="https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201809/15/155343tr1o22kok5cukjzz.png" alt="20180915155208.png" aid="attachimg_660708"/></center><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　不过，房产知识库小编想说，如果你能够在贷款买房时避开这4个方面，那么你可能可以少掏十几万元!</span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/><span style="font-weight: 700; font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;"></span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　<span style="font-family: &#39;Microsoft YaHei&#39;, 微软雅黑; color: #c00000;">一、不要一味强求低房贷利率。</span></span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　其实，<span style="font-size: 16px; color: #333333; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">房产知识库</span>小编是很能够理解大家希望房贷利率越低越好的。毕竟，房贷利率跟我们的购房成本是成正比的，房贷利率越高我们需要掏的钱就越多。</span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　但是，在房贷利率不断上浮的当下，如果你一直执着于排队拿低房贷利率，那么你后期还是有可能会遭遇更高的房贷利率的。所以，与其把主动权交给银行，还不如拿回自己手中。条件允许的话。注意!一定是条件允许的情况下哦!你可以向银行提出愿意接受上浮一部分利率来尽快获得房贷。当然，为了不让自己过于过分吃亏，<span style="font-size: 16px; color: #333333; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">房产知识库</span>小编同时也建议你缩短自己的房贷年限来平衡这些房贷利率的支出。</span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/><span style="font-weight: 700; font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;"></span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　<span style="font-family: &#39;Microsoft YaHei&#39;, 微软雅黑; color: #c00000;">二、房贷利率不断攀升的当下，不建议提前偿还房贷。</span></span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　很多人认为，提前偿还房贷可以减少贷款成本，所以有些闲钱的时候都想要提前偿还房贷。</span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　但是，<span style="font-size: 16px; color: #333333; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">房产知识库</span>小编想说，当下的房贷利率不断在上浮，如果你提前偿还房贷之后，还需要与银行重新签订贷款合同的话，是相当不划算的!</span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　因为，重新签订贷款合同是需要按当下的最新房贷利率来计算利息的。这样一来，你不仅没有能够省到钱，反到还有可能会因为新的房贷利率要多掏十几万，甚至几十万。所以，<span style="font-size: 16px; color: #333333; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">房产知识库</span>小编建议大家在提前偿还房贷的时候，一定要先咨询清楚银行是否需要重新与自己签订借款合同。如果要重新签订的话，那就不要提前还款了。</span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/><span style="font-weight: 700; font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;"></span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　<span style="font-family: &#39;Microsoft YaHei&#39;, 微软雅黑; color: #c00000;">三、想贷款买房不要提前用光自己的公积金账户余额。</span></span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　不少人都认为公积金贷款非常难申请。所以，对公积金贷款不抱什么希望;而平时也将公积金账户余额都提取出来用到其他地方去了。</span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　但是，<span style="font-size: 16px; color: #333333; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">房产知识库</span>小编想说公积金贷款虽然难申请，但是不代表它真的完全申请不下来!如果你有心想要买房的话，最好提前半年或一年不动用自己的公积金账户余额，这样你才能保证自己可以申请得到公积金贷款。因为，公积金账户余额是与公积金贷款额度挂钩的，额度越高能拿到的公积金贷款额度也越多。所以，哪怕你办不了纯公积金贷款，也可以办个组合贷款来节省十几万元啊。</span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/><span style="font-weight: 700; font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;"></span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　<span style="font-family: &#39;Microsoft YaHei&#39;, 微软雅黑; color: #c00000;">四、不要使用信用卡或个人贷款来支付首付。</span></span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　在贷款买房的时候，很多人可能连首付都难以凑齐。有些中介或开发商就会使用暗箱操作的方式，来鼓励购房者使用信用卡或个人贷款的方式来支付首付。</span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　但是，<span style="font-size: 16px; color: #333333; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">房产知识库</span>小编不建议大家这么做。首先，国家已经明令禁止使用信用卡或个人贷款来支付首付。如果你在申请房贷的时候，无法证明自己的首付资金来源。那么，你的房贷很有可能就会遭到银行拒贷。而这种遭遇拒贷的因素是你自己造成的，开发商是不会为你兜底的，你交给他们的定金也有可能拿不回来。</span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><mp-miniprogram class="miniprogram_element" data-miniprogram-appid="wx964444f3944fe048" data-miniprogram-path="pages/main/main" data-miniprogram-nickname="微课优品" data-miniprogram-avatar="http://mmbiz.qpic.cn/mmbiz_png/Kh3bia4B7lAC376YqSYLdewx5SmUrqHjibknMgu6WrK8EvJqibaL7JMM2vUAzDal2TM3EYibfvNwQNqonWnsvCHUBw/0?wx_fmt=png" data-miniprogram-title="世界上最稳赚的投资就是学习！" data-miniprogram-imageurl="http://mmbiz.qpic.cn/mmbiz_jpg/rvLicxLY0iaMSWPbPQeiccQyIOePevIF0GvIKmEMDcKmKL7GDokPeKq6JEya0MAbWHdXjWABs0oFo9WP7nU0j0kFA/0?wx_fmt=jpeg"></mp-miniprogram></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　再者，如果你连首付都需要通过信用卡或者是个人贷款来凑齐的话。那么，你的持房风险可以说是非常高的，因为你根本没有足够的储蓄来应对后期的楼市变数;最终还有可能会让自己房财两失。</span></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: medium;"><br style="font-size: 14px;"/></p><p style="font-family: &#39;Helvetica Neue&#39;, Helvetica, &#39;Hiragino Sans GB&#39;, &#39;Microsoft YaHei&#39;, Arial, sans-serif; font-size: 18px;"><span style="font-size: 16px; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">　　综上所诉，<span style="font-size: 16px; color: #333333; font-family: &#39;Microsoft YaHei&#39;, 微软雅黑;">房产知识库</span>小编认为，如果大家在贷款买房的时候能够留心这4个方面，那么你在贷款买房的时候可能就可以多省下十几万元了！</span></p></section>
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查看完整版本: 如果不留心这4个方面，贷款买房时你得多白掏十几万！