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</div> </div> <div class="comment-wrap art-content"> <div class="answercontent" style="max-height:20000px"> 按揭的房子可以再次抵押给银行办理贷款。在办理房产二次抵押贷款，能选择的贷款机构和银行不多，所以选择哪家去办理成为很多客户比较头疼的事情，因为我们要考虑安全性，利率，额度，放款，选择很重要，不同的银行和机构办理速度可能差距在1个月左右，那么，房产二次抵押贷款哪个银行好？房产二次抵押贷款哪家银行利息最低？比较申请条件不同银行申请房产二次抵押贷款的条件不同，比如信用情况、个人收入，工作单位，还款能力等。而在贷款公司申请房产二次抵押贷款，主要是看房产价值高不高，是否具备变现的能力。信用情况好坏，有负债的借款人，只要能提供符合条件的房产进行二次抵押，一般都能在银行或贷款公司贷款。比较贷款利率相比于信用贷款，房产二次抵押贷款风险更低一些，因为有房产作为银行放款的保障。但是目前各家银行的房产二次抵押贷款产品利率不一，同一家银行，贷款利率在不同地区也会有所不同。目前银行的房产二次抵押贷款利率都是在基准利率的基础上浮执行的，2017年银行基准年利率为一年以下（含一年）基准利率为4.35%、一年至五年（含五年）的基准利率为4.75%、五年以上为4.90%,大家可以参考一下。比较审批速度房产二次抵押贷款银行的流程非常多，审批时间也会比较长，最快需要20个工作日左右才能拿到贷款。贷款公司手续简单，审批快，一般10个工作日就能拿到贷款。比较贷款额度一般来说，房产二次抵押银行贷款的额度跟房屋评估价值有关，最高是7成左右。总的来说，银行贷款不是那么容易申请的，申请失败还会影响征信记录。为了获得更低的融资成本，方便快捷的办理大额银行贷款，一般都会去找专业机构，比如说东莞房速贷，他们凭借专业的行业知识，可以帮客户解决融资过程中的疑难杂症，从上千家银行中帮客户选择最为合适的融资方案。房速贷融资咨询热线：0769-33888836 原问题：《按揭贷款有逾期，如果还清后，在买房子办理贷款会影响吗？》 <div class="appendcontent"> </div> </div> <div class="tool-group"> <!-- cdn节点 回答操作 --> <div 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id="question_insertcode_16"></div> <!-- 一周热门问题--> <div class="new-answer bb"> <h3 class="title"> 相关知识 </h3> <div class="inf-list"> <ul class="clearfix"> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-2032827.html" title="">网贷次数多没有逾期都已还清沈阳-网贷多次但是从未逾期并且已经还清影响房贷吗</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2023-09-12 07:55</span> <p class="xgzsms">近年来，随着互联网金融的快速发展，网贷平台逐渐成为人们借款的首选。网贷次数多没有逾期都已还清，沈阳-网贷多次但是从未逾期并且已经还清，对于申请房贷会产生影响吗？今天，我们就来探讨一下这个话题。 首先，我们需要明确一下，网贷是指通过网络平台...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1615905.html" title="">花呗逾期还款后影响房贷</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2023-03-20 00:27</span> <p class="xgzsms">花呗没有上央行征信，不影响房贷的。但是建议还掉哦~~花呗还可以换现金~~花呗逾期还清后会影响以后得买房嘛？如果是偶尔的一次逾期，而且时间不长的话，你可以在以后的多次还款中按时还款，慢慢就把你的不良记录清洗掉了。你好，我花呗逾期33天已经还款...</p></div> <div class="xgzsxg"><h4><a 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href="https://www.hongjibp.com/laws-1595888.html" title="">有过6次逾期记录 有过6次逾期记录能贷款吗</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-12-21 20:37</span> <p class="xgzsms">展开全部会影响贷款的，两年内逾期次数超过5次，就会对贷款有严重影响。信用卡有6次逾期记录还能申请别的银行信用卡吗?那要看信用卡逾期的情况如何了，一般累积六次或者十次左右都是可以申请贷款的。可以用信用比较好的一方做为借款人。如果另一方信用很烂...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1160415.html" title="">房贷逾期未，房贷逾期未还</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/8">债权债务</a></span> <span class="xgzs">时间：2022-06-10 21:53</span> <p class="xgzsms">房贷逾期未还被银行起诉是什么后果 房贷逾期未还被银行起诉是什么后果？有多严重？今天，小编跟大家讲一下这方面的知识。这个可以看做是银行的一种催收手段吧，之前听一个当地的负责人讲，说有些企业老板很喜欢这种方式，一来可以转移公司的重要财...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1528114.html" title="">疫情期间房贷逾期了 疫情期间房贷逾期了如何恢复征信</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-09-27 02:42</span> <p class="xgzsms">您如果逾期成为黑户的话，买火车票、飞机票、按揭买房、按揭买车等都不行，只能等到您还清贷款5年后征信重新刷新才能做。望采纳房贷忘记还了怎么办，房贷逾期怎么办借款人未按借款合同规定按月偿还贷款本息的，逾期部分按中国人民银行有关规定计收逾期利息。...</p></div> </ul> </div> </div><div class="question_insertcode" id="question_insertcode_17"></div> </div> </div> </div> </div> <div class="kluw col-md-7 aside "> <div class="ssfe question_insertcode" id="question_insertcode_18"></div> <!-- 相关问题--> <div class="standing"> <div class="positions bb" id="rankScroll"> <h3 class="title">相关问题</h3> <ul> <li class="no-video"><a href="https://www.hongjibp.com/lawask-462698.html" "> 信用卡逾期8次，但都已还清销卡了，会影响房贷吗 </a> <div class="num-ask"> <a href="https://www.hongjibp.com/lawask-462698.html" class="anum"> 1 个回答</a> </div></li> <li class="no-video"><a href="https://www.hongjibp.com/lawask-380239.html" "> 我的征信不符合房贷要求，想用我姐的名义贷款买房，我每个月用微 </a> <div class="num-ask"> <a href="https://www.hongjibp.com/lawask-380239.html" class="anum"> 1 个回答</a> </div></li> <li class="no-video"><a 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_tagstr=gettaglist(); $("#qtags").val(_tagstr); } $(".txt_taginput").on(" input propertychange",function(){ var _txtval=$(this).val(); if(_txtval.length>1){ //检索标签信息 var _data={tagname:_txtval}; var _url="https://www.hongjibp.com/tags/ajaxsearch.html"; function success(result){ console.log(result) if(result.code==200){ console.log(_txtval) $(".tagsearch").html(""); for(var i=0;i<result.taglist.length;i++){ var _msg=result.taglist[i].tagname $(".tagsearch").append('<div class="tagitem" tagid="'+result.taglist[i].id+'">'+_msg+'</div>'); } $(".tagsearch").show(); $(".tagsearch .tagitem").click(function(){ var _tagname=$.trim($(this).html()); var _tagid=$.trim($(this).attr("tagid")); if(gettagsnum()>=5){ alert("标签最多添加5个"); return false; } if(checktag(_tagname)){ alert("标签已存在"); return false; } $(".dongtai .tags").append('<div class="tag"><span tagid="'+_tagid+'">'+_tagname+"</span><i class='fa fa-close'></i></div>"); $(".dongtai .tags .tag .fa-close").click(function(){ $(this).parent().remove(); }); $(".tagsearch").html(""); $(".tagsearch").hide(); $(".txt_taginput").val(""); }); } } ajaxpost(_url,_data,success); }else{ $(".tagsearch").html(""); $(".tagsearch").hide(); } }) function checktag(_tagname){ var tagrepeat=false; $(".dongtai .tags .tag span").each(function(index,item){ var _tagnametmp=$.trim($(this).html()); if(_tagnametmp==_tagname){ tagrepeat=true; } }) return tagrepeat; } function gettaglist(){ var taglist=''; $(".dongtai .tags .tag span").each(function(index,item){ var _tagnametmp=$.trim($(this).attr("tagid")); taglist=taglist+_tagnametmp+","; }) taglist=taglist.substring(0,taglist.length-1); return taglist; } function gettagsnum(){ return $(".dongtai .tags .tag").length; } $(".tagsearch .tagitem").click(function(){ var _tagname=$.trim($(this).html()); if(gettagsnum()>=5){ alert("标签最多添加5个"); return false; } if(checktag(_tagname)){ alert("标签已存在"); return false; } $(".dongtai .tags").append('<div class="tag"><span>'+_tagname+"</span><i class='fa fa-close'></i></div>"); $(".dongtai .tags .tag .fa-close").click(function(){ $(this).parent().remove(); }); $(".tagsearch").html(""); $(".tagsearch").hide(); $(".txt_taginput").val(""); }); $(".dongtai .tags .tag .fa-close").click(function(){ $(this).parent().remove(); }); $(".yuyinplay").click(function(){ targetplay=$(this); var _serverid=targetplay.attr("id"); if(_serverid == '') { alert('语音文件丢失'); return; } $(".wtip").html("免费偷听"); targetplay.find(".wtip").html("播放中.."); if(mobile_localyuyin==1){ $(".htmlview").removeClass("hide"); $(".ieview").addClass("hide"); var myAudio =targetplay.find("#voiceaudio")[0]; // myAudio.pause(); //myAudio.play(); if(myAudio.paused){ targetplay.find(".wtip").html("播放中.."); myAudio.play(); }else{ targetplay.find(".wtip").html("暂停.."); myAudio.pause(); } function endfun(){ targetplay.find(".wtip").html("播放结束");alert("播放结束!")} var is_playFinish = setInterval(function(){ if( myAudio.ended){ endfun(); window.clearInterval(is_playFinish); } }, 10); }else{ $(".ieview").removeClass("hide"); $(".htmlview").addClass("hide"); } }) function deleteanswer(current_aid){ if(confirm("是否删除此回答?")){ window.location.href=g_site_url + "index.php" + query + "question/deleteanswer/"+current_aid+"/324429"; } } function adoptanswer(aid) { $("#adopt_answer").val(aid); $('#dialogadopt').modal('show'); } //编辑标签 function edittag() { $('#dialog_tag').modal('show'); } if(typeof($(".show-content").find("img").attr("data-original"))!="undefined"){ var imgurl=$(".show-content").find("img").attr("data-original"); $(".show-content").find("img").attr("src",imgurl); } $(".show-content,.answercontent").find("img").attr("data-toggle","lightbox").attr("data-lightbox-group",Date.parse( new Date() ).toString()); var category1 = [["1","法律类别"]]; var category2 = 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$(".showcommentid").each(function(){ var dataid=$(this).attr("data-id"); show_comment(dataid); }); function show_comment(answerid) { if ($("#comment_" + answerid).css("display") === "none") { load_comment(answerid); $("#comment_" + answerid).slideDown(); } else { $("#comment_" + answerid).slideUp(); } } //添加评论 function addcomment(answerid) { var content = $("#comment_" + answerid + " input[name='content']").val(); var replyauthor = $("#comment_" + answerid + " input[name='replyauthor']").val(); if (g_uid == 0){ login(); return false; } if (bytes($.trim(content)) < 5){ alert("评论内容不能少于5字"); return false; } $.ajax({ type: "POST", url: "https://www.hongjibp.com/answer/addcomment.html", data: "content=" + content + "&answerid=" + answerid+"&replyauthor="+replyauthor, success: function(status) { if (status == '1') { $("#comment_" + answerid + " input[name='content']").val(""); load_comment(answerid); }else{ if(status == '-2'){ alert("问题已经关闭，无法评论"); } } } }); } //删除评论 function 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