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个人怎么贷款买房？贷款买房的具体流程是怎样的？

个人怎么贷款买房？贷款买房的具体流程是怎样的？

浏览：54次 | 提问时间： 06-30 04:52

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待我长发及腰谁若娶我 06-30 04:53

您好，看您买一手新房，还是二手房，这两种情况，流程是不一样的，先说一手新房，比较简单，开发商会协助办理贷款，您只需要提供贷款所需要的材料即可，一般是夫妻双方身份证，户口本，结婚证，外地需要暂住证，收入证明，银行流水，单位营业执照副本复印件盖公章。若是购买二手房，也是需要上面提到的这些材料，额外会多一个评估的环节，就是银行会委托一家专业评估公司，对房屋进行评估，评估后，才能决定最高可以借款多少金额。一般都是有专业的房屋中介机构协助办理，签过借款合同后，等待批贷，批贷以后，可以缴税和办理过户手续，过户后，把房本拿到建委办理抵押登记手续，抵押登记完毕，银行见到他项权利证，会把贷款放给卖家。

梦在你在 06-30 05:01

买房子不是一件容易的事，很多购房者在买房的时候资金不足因而选择了购房贷款。那么个人贷款要怎么办理呢？贷款买房的具体的流程又是怎么样的呢？买房个人贷款的流程：1、开发商要向贷款行来提出按揭贷款的合作意向；2、贷款行对开发商的开发项目、建筑资质、资信等级、负责人的品行、企业的社会商誉、技术力量、经营状况、财务情况来进行调查，并与符合条件的这些开发商签订按揭贷款的合作协议；3、购房人与开发商要签订《商品房的买卖合同》，并根据合同的要求，付清所需的首付房款；4、自首付款付清后七日内购房人要提供符合按揭银行要求的相关资料，直接向开发商合作的银行提出申请办理按揭贷款。具体包括：《商品房的买卖合同》(备案登记)、购房的首付款收据、身份证、婚姻的证明、收入的证明以及银行认为需要提供的其他资料；5、贷款行对购房人的各方面情况及手续进行调查、审查，与符合基本条件的购房人(包括购房人配偶)办理初步手续，具体包括借款申请书、共同还款声明、承诺、谈话笔录、借款合同、借据等；随后购房人在贷款行开立存款账户或银行卡，银行报上级行进行审批；6、申请审批期限一般为7日内。对超过该期限的，营销部及时与银行对接、了解情况、解决问题，积极协助购房人办妥贷款，及时与按揭银行签订阶段担保手续。在办理个人贷款的时候，需要购房者提供相关的证明文件。包括房屋买卖的相关手续以及个人身份的证明文件。只要个人信用没有不良记录并且具有偿还贷款的能力，基本都可以办理住房贷款。

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