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商贷买房的流程是什么？

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商贷买房的流程是什么？

浏览：42次 | 提问时间： 06-30 04:54

请问商贷买房的流程是什么？我下面说的对不对。1、买家资质审核，10个工作日。2、网签（是不是资质审核下来当天就能做）3、面签（是不是就是申请商业贷款？5-7个工作日），这个是不是一定要在房主解压之后进行，还是资质审核下来直接进行。还有就是网签后多久可以做面签，需要等么？4、是否面签完，5-7个工作日后，银行就通知批贷了，然后就可以去交税过户了？5、交税过户后大概10天就能拿到贷款么？请问买房流程是否是按上述进行的，中间还有没有其他事情？纯商贷顺利的话是否1个月就能办完了？

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2个答案

执念成狂 06-30 04:55

下面是商贷的流程，不过现在的单子都比较多，约过户好现在朝阳的单子已经约到4月7日了。

荒凉以爱故人 06-30 05:03

您好！1.资质审核通过后可以随时网签。面签就是去您所申请的银行去申请贷款，一般件齐后7个工作日日内就可以批贷。房本上有抵押，首先房本是X京的本，还是非X京的房本。如果是X京的房本直接就可以打网签，直接面签。非X京的房本必须解完压以后才可以打网签。银行批贷后就可以正常交税过户，一般过完户以后15个工作日以后才可以拿到尾款。海淀建委一般是过完户后7个工作日出他项权利证，其他区县基本都是9个工作日出，出完他项权利证后银行基本5个工作日就可以放尾款。2.正常商贷的话，基本一个月时间就过完户，业主拿到尾款需要65天左右。希望可以帮到您！

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