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太原房产抵押:住宅、商铺、公寓,银行到底认哪种?

  • 2026-04-19 23:28:11
太原房产抵押:住宅、商铺、公寓,银行到底认哪种?
很多太原朋友有房子，想做抵押贷，但不知道自己的房子银行接不接受。今天一次性说清楚。

1. 商品住宅（最容易批）

70年产权住宅，银行最喜欢，成数最高，利率最低。房龄不要太老，位置在太原主城区，基本都好批。

2. 公寓（40年产权）

部分银行接受，但成数低、利率高，审核更严。必须位置好、流通性强，不然很难批。

3. 商铺、写字楼

银行非常谨慎。只看地段、人流量、出租率。空置商铺、偏远商铺基本不批。

4. 小产权、回迁房、自建房

正规银行基本不做，不要白跑。
简单总结：太原做抵押贷，优先用70年住宅，通过率最高、成本最低。
如果你不确定自己的房子能不能做，可以留言说下区域和房龄，我帮你判断。
#太原房产抵押 #太原抵押贷 #太原房子贷款
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  1. CONNECT:[ UseTime:0.001015s ] mysql:host=127.0.0.1;port=3306;dbname=h460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001543s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000669s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000753s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.001410s ]
  6. SELECT * FROM `set` [ RunTime:0.000664s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001481s ]
  8. SELECT * FROM `article` WHERE `id` = 497419 LIMIT 1 [ RunTime:0.000907s ]
  9. UPDATE `article` SET `lasttime` = 1776753599 WHERE `id` = 497419 [ RunTime:0.001428s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000637s ]
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0.109194s