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上海住房抵押消费贷款流程谁知道？

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上海住房抵押消费贷款流程谁知道？

浏览：34次 | 提问时间： 06-26 09:04

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4个答案

A1伱不解释 06-26 09:05

上海用房子抵押贷款申请材料:如下［1］用于抵押的房产证［2］产证上的权利人及配偶的身份证［3］权利人及配偶的户口本［4］权利人的婚姻证明(结婚证或民政局开具的未婚证明)［5］公司开具的收入证明［6］如房产证权利人有未成年儿童,请提供出生证［7］如房产内还有银行贷款,请提供原贷款合同及最后一期的银行对帐单［8］为提高贷款通过率,请尽量多的提供家庭其他财产证明,(如另处房产证、股票、基金、现金存折、车辆行驶证等等)房屋抵押贷款要求如下：1、 房屋房龄要求在20年以内2、 面积要求大于50平米以上3、 上海房产要求总价在100万以上4、 贷款人有一定的还款来源

装不下 06-26 09:13

第一步。跟银行洽谈贷款金额，贷款利率。贷款期限，第二步，贷款申请。提交相关资料。譬如，身份证户口本结婚证银行流水账房产预评估单贷款用途材料，第三步，贷款审批下来以后，签订合同。部分银行可能要求对合同进行公证，最后就该打钱放款给你了，希望对您有帮助了

装不下 06-26 09:21

1.申请人提交贷款申请。2.银行受理申请，并进行贷款调查。3.贷款审查(申请人条件、房产条件等)。4.贷款审批。5.签订贷款合同。6.办理抵押登记。7.发放贷款。8.按时还款，直至贷款还清，办理解除抵押手续。

掉价行为 06-26 09:29

1、备齐资料，包括夫妻双方身份证、户口本、结婚证、房产证、购房合同或发票、个人账户最近半年的银行流水对账单2、银行对借款人的贷款申请、购房合同、协议及有关材料进行审查。3、借款人将抵押房产的产权证书及保险单或有价证券交银行收押。4、借贷双方担保人签订住房抵押贷款合同并进行公证。5、贷款合同签订并经公证后，银行对借贷人的存款和贷款通过转帐方式划入购房合同或协议指定的售房单位或建房单位。

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