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二手房屋的贷款流程是怎样的？办理二手房贷款需要什么材料？

二手房屋的贷款流程是怎样的？办理二手房贷款需要什么材料？

浏览：37次 | 提问时间： 06-30 04:52

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城西已人凉 06-30 04:53

您好：很高兴为您服务,商业贷款的基本流程是：客户资质审核→房屋核验→签署买卖合同→网签→评估→资金监管→面签→批贷(件齐后才可批贷)→缴税→过户→出房产证→物业交割→资金解冻→抵押登记(各城区抵押时效不同)→出房屋他项权利证→银行放款(具体时间看银行额度情况)办理贷款需要的材料

怨青颜染风霜 06-30 05:01

您好，感谢您的咨询~二手房贷款的办理流程：1.提交二手房贷款所需材料：买房人需提供：身份证、户口本、结婚证或离婚证+离婚协议或法院判决书(仅限已婚或离婚人士)、收入证明、6个月内银行流水、贷款银行储蓄卡，同时也要提交购房合同，即《存量房买卖合同》这里需要注意的有以下3点：(1)银行会查未成年子女名下的房产情况，假如购房人户籍在北京，其未成年子女名下有1套房产，购房人名下也有1套房产，就超出了限购要求，银行将不予贷款。(2)银行对借款人的收入也有明确要求，假如借款人名下还有其他贷款，那么月收入要求如下月收入

谩骂 06-30 05:09

(原有贷款还款月供+现申请此笔贷款还款月供)X2(3)若购房人已经离婚，其离婚协议上的房屋地址与实际贷款房屋地址不一致，需要到小区所在物业开具证明，证明为同一套住房的地址。2.银行对申请贷款房屋进行估价一般，银行会交由专业的机构进行评估。3.银行审批审批通过后银行会出具批贷函，向卖方证明银行同意放款给购房人，卖方可放心将房屋过户给购房人。4.过户在实施了不动产登记制度后，现在过户时，仅需要买卖双方本人到不动产登记机构将原来的房产证换成不动产权证，不动产权证上直接登记购房人的名字就可以了。5.将不动产权证交给银行做押到不动产登记部门办理《不动产登记证明》，用以证明此房产上有银行的押权，一般银行会交给专门的机构代办房屋押事项。6.银行放款经贷款行同意发放的贷款，办妥有关手续后，贷款行按照借款合同约定，将贷款一次或分次划入售房人在贷款行开立的存款账户内。希望以上信息可以帮到您，望采纳，谢谢~

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二手房屋的贷款流程是怎样的？办理二手房贷款需要什么材料？

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