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房产抵押在哪里可以办理？房产抵押的办理流程是什么样的？

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房产抵押在哪里可以办理？房产抵押的办理流程是什么样的？

浏览：68次 | 提问时间： 06-30 04:52

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没你我会活的更好 06-30 04:52

你好，房屋抵押贷款，一般在银行办理的较常见，产权人本人带身份证、结婚证、户口本、房本原件、购销合同等资料，到银行面签，银行审核资料之后，5-7工作日会给结果是否批贷、若批贷、银行会给出抵押材料、拿抵押材料到房屋所在区的建委办理抵押登记手续(一般由银行指定的人员办理、大概7-10工作日)，抵押登记完毕，会出他项权利证、把他项权利证拿到银行后、一般3-5工作日，银行会放款。望采纳。

我姓连但我不恋旧 06-30 05:01

在急需资金或者贷款买房的时候都可能会需要办理房产抵押，房产抵押一般来说需要在土地局办理。房产抵押的办理流程包括贷款人的申请、贷款银行审查、签订购房合同、办理保险、签订抵押合同这五个步骤，具体内容如下文所述。一、房产抵押办理地点房地产抵押是在房屋所在地的县或者区房屋和土地局办理，有的时候也有可能是需要到房屋所在地的区房管局办理，各位消费者可以看一下房产证，应该是要去房产证盖章的单位负责处进行房产抵押的办理。二、房产抵押的操作程序1.贷款人申请：借款人到贷款银行填报《个人住房借款申请表》并提交下列材料：借款人的身份证、户口；购买住房的合同意向书或其他证明文件；借款人所在单位出具的借款人家庭稳定经济收人证明；贷款银行要求的其他证明。2.贷款银行审查：贷款银行对借款人的贷款申请及其他各项证明材料进行审查，审查合格后出具贷款承诺书，并与借款人签订抵押合同。3.借款人与售房单位签订购房合同：借款人凭贷款银行出具的贷款承诺书与售房单位签订购房合同，并请售房单位在房产收押合同上签章。4.借款人办理抵押房屋的保险：借款人持购房合同到贷款银行指定的保险机构办理抵押房屋的保险。5.借款人与贷款银行签订个人住房抵押贷款合同：借款人持购房合同、抵押合同、收押合同及保险单，与第三方(法人)担保人一起到贷款银行签订《个人住房抵押贷款合同》并在30日内到房地产管理机关办理抵押登记，当事人要求公证的，可到公证机关办理公证。房产抵押一般都需要到相关的房地产管理部门进行办理。房产抵押办理过程涉及流程比较多，需要注意的重点也比较多。希望各位在办理房产抵押之前都可以先对相关资料进行一下基础了解，不给自己找麻烦。

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