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买房贷款银行为什么是开发商内定的?原因有这4个!
沭阳官方实播台 2017-12-05 14:36
[摘要] 很多购房者在买房贷款的时候都抱怨,为什么不能自己去选择贷款银行,只能在开发商选择的并不是非常合适自己的银行贷款。
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">很多购房者在买房贷款的时候都抱怨,为什么不能自己去选择贷款银行,只能在开发商选择的并不是非常合适自己的银行贷款。RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">也有购房者抱怨,现在很多银行都说明只对有合作的开放商项目发放房贷,搞得他们迟迟无法拿到房贷去买房。RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">为什么贷款银行能由开发商决定,今天我们就来分析下原因:RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">1RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">受贷款类别的复杂性影响RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">大家都知道贷款分为商业贷款和公积金贷款,两者由于归属不同,具体的贷款流程也略有不同,特别是公积金贷款,要求更加严格,不仅要审核开发商的资质,还要求开发商和公积金管理中心签订合约。RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">银行方面也会受到利润的诱惑需要购房贷款这一方面的市场,也希望与开发商签订一个的合约,两相合计,于人于己,开发商都要选择最合适的银行来进行贷款事务。RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">2RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">受期房房源性质的影响RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">现在购房者所购买以及市场上销售的房屋多为期房,期房的不确定性和风险性决定了贷款银行需要一个担保,比如开发商的担保,与开发商签订担保协议,贷款人和房屋出了什么风险,开发商也是要负责任的。RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">开发商不可能任由每一个顾客自由的去选择不同的银行,让自己与不同的银行签订担保协议,这对开发商来说是非常不利的,或者说是麻烦的。RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">3RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">简化流程,提高效率的必要RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">买房贷款不仅仅是购房者自己提交了银行流水、收入证明,等待银行审批放贷就行了。在这个过程中银行还要考虑开发商的资质、担保以及相关证件、资料的合法完善性,程度的减少资金风险。RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">相信现在的很多贷款买房者都不知道贷款还需要提供这些东西,因为开发商前期已经做好了功课,购房者直接贷款就好,银行也不用对同一份资质审核上千遍。RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">如果全部由贷款人自己来做,估计贷款流程和房屋交易流程会减慢很多,也会复杂很多,而且银行还不一定贷款给你,银行、开发商、购房者的工作都会增加许多,这是一个对三方都不利的事情。RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">4RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">开发商与银行合作关系的存在RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">对于大部分开发商来说,从最初的拿地,规划到后期的建设、宣传、销售等,这整个过程都离不开银行的资金支持。银行和开发商双方是互惠互利的一种关系,一般一个开发商会与一个银行或几个银行形成固定的合作关系。RD-SPACING: 0px;TEXT-TRANSFORM: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px"/>
RD-SPACING: 0px;TEXT-TRANSFORM: none;FLOAT: none;COLOR: rgb(68,68,68);FONT: 16px/26px Arial, Helvetica, 'Hiragino Sans GB', 'Microsoft YaHei', sans-serif;WIDOWS: 1;DISPLAY: inline !important;LETTER-SPACING: normal;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;-webkit-text-stroke-width: 0px">最后销售阶段,开发商将自己的顾客贷款放在合作银行里,为银行赚取利息,也算是一种回馈和合作方式。<<<更多房产资讯 尽在房天下、沭阳房产网、沭阳搜房网、沭阳楼市
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