第1页共8页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第1页共8页个人二手住房贷款一、总则一、总则..................................................................................................................................1（一）定义（一）定义......................................................................................................................1（二）特点（二）特点......................................................................................................................2（三）业务开展模式（三）业务开展模式.......................................................................................................2二、贷款对象与条件二、贷款对象与条件..............................................................................................................2（一）贷款对象（一）贷款对象..............................................................................................................2（二）贷款对象具备条件（二）贷款对象具备条件...............................................................................................2三、贷款币种、限额、期限与利率三、贷款币种、限额、期限与利率.......................................................................................2（一）贷款币种（一）贷款币种..............................................................................................................2（二）贷款限额（二）贷款限额..............................................................................................................2（三）贷款期限（三）贷款期限..............................................................................................................3（四）贷款利率（四）贷款利率..............................................................................................................3四、申办四、申办..................................................................................................................................3（一）贷款申请（受理方式）（一）贷款申请（受理方式）.......................................................................................3（二）申请资料（二）申请资料..............................................................................................................3（三）贷款审查（三）贷款审查..............................................................................................................4五、贷款的评估、担保、保险五、贷款的评估、担保、保险...............................................................................................4（一）贷款评估（一）贷款评估..............................................................................................................4（二）贷款担保（方式）（二）贷款担保（方式）...............................................................................................4（三）贷款保险（三）贷款保险..............................................................................................................4六、贷款的发放、使用和偿还六、贷款的发放、使用和偿还...............................................................................................4（一）贷款发放（一）贷款发放..............................................................................................................4（二）贷款偿还（二）贷款偿还................................................................................................
