So, what exactly is a 土地贷款?
As with many loans, the name says it all. 这笔贷款为你计划建造主要住所的土地提供资金. An 元素 土地贷款 can be used for unimproved land, 这意味着它可能已经有了公用设施和便利设施,但可能还没有电表或天然气表之类的东西.
与其他可以持续数年的贷款不同,土地贷款的最长期限为一年. 所以即使你没有在这段时间内建造你的房子, you will have already paid off the loan for the land.
When you’re ready to build your home, you can consider the Single-Close Construction Loan.