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问问，二手房抵押贷款流程是啥

问问，二手房抵押贷款流程是啥

浏览：36次 | 提问时间： 06-29 09:42

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你的心跳广岛之恋 06-29 09:43

房屋抵押贷款指的是房屋抵押贷款方可以用自己，家人，亲友或朋友的房产作抵押物向银行申请房屋抵押贷款的一种方式。通过融联伟业向银行申请贷款，只要您有可利用房产即可申请房产抵押贷款，房屋抵押贷款年限、还款方式可根据自身情况自由选择。产品特点 1、用途多样：可用于经营、购车、教育、医疗、大额耐用品消费以及其他合法合规用途； 2、抵押物范围广：客户本人(含配偶)名下的住房、商用房、商住两用房均可用于抵押； 3、额度高：最高可达抵押房产价值的100%； 4、可循环使用：一次抵押，循环使用，随借随还，方便快捷；5、融联伟业提供贷款指引、权证代办等“一站式”服务,省时、省心。申请条件 1、具有完全民事行为能力的自然人，年龄在18(含)-65(不含)周岁之间;外国人以及港、澳、台居民为借款人的，应在中华人民共和国境内居住满一年并有固定居所和职业； 2、具有合法有效的身份证明、户籍证明(或有效居留证明)及婚姻状况证明(或未婚声明)； 3、具有良好的信用记录和还款意愿； 4、具有稳定的收入来源和按时足额偿还本息的能力； 5、能提供银行认可的合法、有效、可靠的房屋抵押； 6、在银行开立个人结算账户； 7、银行规定的其他条件。所需材料 1、借款人及其配偶有效身份证件、户籍证明(户口簿或其他有效居住证明)、婚姻状况证明原件及复印件； 2、个人收入证明，如个人纳税证明、工资薪金证明、投资收益证明、在银行近6个月内的平均金融资产证明等； 3、资金用途证明或声明； 4、抵押房产权属证明，如果抵押房产已办理了土地使用权证，则土地使用权证应同时提供； 5、银行要求提供的其他文件或资料。贷款流程提出申请――资质审核――银行批贷――抵押登记――银行放贷注意事项1、最高可贷房屋评估价的100%； 2、贷款期限最长20年；

憧憬巴黎街头的黎明 06-29 09:51

一般房产交易过户的流程手续：过户的手续不复杂，只要双方的身份证原件以及复印件、户口本、结婚证、税费缴纳凭证、合同还有房产证，就可以去过户了。注意的是双方当事人一定都要到场，要签字的，如一方不去的话要去公证处作委托的！一次性付款就是在时间上比贷款要快1个月，其他无分别，总的时间是，签好合同当天就可以去过户(带齐资料)，过户好后20个工作日拿到新的产证，拿到房产证后就是物业过户了。最好就是能把户口也迁到你购房的房产的户籍上。在购买房产的时候需要注意的主要包括以下几个方面：1、对卖主的资格审查。要求卖房人出示房屋所有权证、身份证、户口簿，查验卖房人与产权人是否为同一人，如不是同一人，须查看卖房者是否持有产权人签发的有效的授权委托书；2、对房屋的产权状况的审查。房屋产权证须是县级以上房地产管理部门颁发的房屋产权证明，包括“房屋所有权证”和“土地使用权证”，购房者在审查上述证件时，必须查验原件，必要时可到该房屋所在地的房屋管理部门查询产权证的真实性。3、对房屋其他上市交易资格的审查。(1)如果房屋为多人共有，则须卖房人提供所有共有人的身份证件及同意出卖房屋的书面文件；(2)如果房屋已出租，则须卖房人提供承租人同意出售的书面意见；(3)如果房屋已被抵押，则须卖房人提供抵押权人同意房屋出售的书面文件；(4)如购买公房，须了解所购公房是成本价还是标准价，标准价购买的公房在出让时须按成本价补足费用。由于公房原单位对公房一般都保留优先购买权，因此，应要求卖房人提供单位放弃优先购买权的书面意见；另外，军队、医院、学校的公房，由于其特殊性，在没有取得单位同意的情况下，一律不得出售；(5)如果所购房屋是已购公房或经济适用房，还须卖房人提供**部门对其上市交易的批准书；(6)如果了解到欲购房屋属于下列几种情况，则千万不能购买：已列入拆迁公告范围的房屋或被国家征用的房屋；被法院或行政机关依法查封的房屋；属违法或违章建筑的房屋；存在产权争议的房屋。4、对房屋质量及其他配套主设施的审查。

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