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限售的房子可以办理房产抵押贷款吗?

  • 2026-04-13 18:48:12
限售的房子可以办理房产抵押贷款吗?

限售房办理房产抵押银行不受理？最近我遇到一个客户高首付，摇号买的房子，想去办理房产抵押贷款，合肥大多数银行都不受理，直接以“限售期不受理”拒绝！

明明是是合规持证的商品房，明明是优质资产，为什么去办理房产抵押贷款的时候就不受理了呢？限售的房子在合肥办理房产抵押贷款怎么那么难呢？限售房抵押到底难在哪里呢？

限售的房子办理房产抵押贷款不好办，但是不代表不能办哈！银行考虑限售房的变现风险，但是还是有银行愿意为限售的这类房子办理房产抵押贷款的！

合肥限售的房子办理房产抵押贷款必须满足以下条件才能批：

第一：必须拿到房产证

第二：房子必须有剩余价值，全款房，或者高首付的房子，按揭尾款一定不能太多（不能超过房子目前价值的7成）

第三：征信好，优质地段的房子价值高！评估价100万以上！

第四：收入高，有真实经营状况最好，因为房子本身限售，新产证，在加上房产价值较之前差距较大，还款能力一定要足够好银行才会受理！

合肥限售房不是不能办理房产抵押贷款进行资金周转！只是一定要找对人！找对梦办理的银行，你手里的优质资产才能变现！

我是欢欢，专业助贷11年，积累服务1万➕朋友，关注我，2026年融资不迷路！

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  137. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/vendor/topthink/think-template/src/template/driver/File.php ( 2.41 KB )
  138. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/vendor/topthink/think-template/src/template/contract/DriverInterface.php ( 0.86 KB )
  139. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/runtime/temp/cbe9940b986bd319e8e4ad9d69892652.php ( 11.98 KB )
  140. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000980s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001582s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000740s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000701s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.001360s ]
  6. SELECT * FROM `set` [ RunTime:0.000618s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001591s ]
  8. SELECT * FROM `article` WHERE `id` = 502122 LIMIT 1 [ RunTime:0.004945s ]
  9. UPDATE `article` SET `lasttime` = 1776255189 WHERE `id` = 502122 [ RunTime:0.028362s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000809s ]
  11. SELECT * FROM `article` WHERE `id` < 502122 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.001386s ]
  12. SELECT * FROM `article` WHERE `id` > 502122 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.001205s ]
  13. SELECT * FROM `article` WHERE `id` < 502122 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.034985s ]
  14. SELECT * FROM `article` WHERE `id` < 502122 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.034998s ]
  15. SELECT * FROM `article` WHERE `id` < 502122 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.087312s ]
0.373506s