按揭和商业贷款有什么区别？
提问者 : King-L
时间 : 2019-01-24 15:35:07
所属分类 : 买房-收房验房
回答详情共有1个回答
尼古丁
按揭贷款就是指购房者用预购的房子作为抵押从银行获得贷款，按照按揭契约中规定的归还方式和期限给银行分期付款，银行按利率收取利息。如果贷款人违约，银行是可以将房子没收的。 商业贷款是指具有完全民事行为能力的自然人，购买城镇自住住房时，可以用其所购买的产权住房或银行认可的其他担保方式作为抵押而向银行申请的贷款。
2019-01-25 11:02:37
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