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我想知道下二手房可按揭吗按揭的流程都有哪些

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我想咨询下新房按揭买房流程哪位了解？我想咨询一下如果发生二手房过户，费用该由谁交我需要大家帮忙提供上海卖房流程，谁知道？我要打听一下关于购房网签流程是怎样的？我要买套二手房，请问都要交那些费用？？我已经提前还清了银行贷款啊,可以撤消担保公司的房产证抵押吗?我在农行想提前还贷，需要什么流程？如何操作？我正在还房贷，还能贷款装修吗？我最近遇到一些问题，有谁知道经济适用房有装修吗？无锡办理产权证的费用是多少？办理流程是怎样的呢？无锡拆迁安置房的过户费用是怎么算的?无锡经济适用房房源多少钱一平？售价是多少？无锡房产继承公证费用一般是多少的啊？是不是需要几十块钱的？无锡经济适用房土地出让金费用标准是多少？谁知道怎么计算的不无首付买房到底靠不靠谱？要付多少钱？

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我想知道下二手房可按揭吗按揭的流程都有哪些

浏览：39次 | 提问时间： 06-30 10:56

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3个答案

我觉悟 06-30 10:57

你好，二手房是可以按揭的。无论是新房也好还是二手房也好，都是可以办理按揭贷款的。办理二手房按揭贷款事先一定要去房管局查清楚房屋所有权、有无贷款的情况。因为二手房在有贷款的情况下，只能办理转按揭业务。二手房按揭贷款是指个人在购买售房人具有房屋产权证、能在市场上流通交易的住房或商业用房时，自己支付一定比例首付款，其余部分以要购买的房产作为抵押，向合作机构申请的贷款。

空虚扰人 06-30 11:05

您好!房子按揭是指按揭人将房产的产权转让给提供贷款的银行作为还款保证，按揭人在还清贷款后，按揭受益人立即将所涉及的房产产权转让给按揭人的行为。一般情况下，如果是新建商品房，只有五证齐全的房子才能办理按揭，如果购买的是二手房，必须是有房产证的二手房才行。

过分热情恋旧 06-30 11:14

你好，二手房产按揭流程有一、按揭二手房转让的方式在与卖方就买卖该二手房达成意向后，由于该二手房上设有抵押，因此，还应当征得抵押权人，即银行的同意。购买按揭二手房有两种方式一种是买方一次性付款，还清银行的按揭贷款，终止原借款合同，办理注销抵押登记手续，使得房屋上不存在其他任何权利障碍，然后由二手房所有权人与二手房购买人办理产权过户手续。在一次性付清银行按揭款的情况下，为了防范风险，买方最好与卖方约定直接将买房款支付到按揭贷款银行的还款账户上。第二种方式，转按揭贷款购买二手房。即买方也向银行申请按揭贷款购买二手房，买方既可以向卖方原按揭贷款银行申请转按揭，也可以向其他银行申请转按揭。其基本程序如下：1、买卖双方签订买卖合同；2、买方选择申请同行转按揭或者跨行转按揭；3、买方向银行申请转按揭并提交相关材料，银行对转按揭申请进行审核；4、买卖双方共同向原按揭银行办理还贷手续，卖方与原按揭银行终止原按揭贷款协议，并办理注销抵押登记手续；5、买卖双方办理房屋过户手续；6、买方到房管局办理抵押权人为转按揭银行的抵押登记手续。二、按揭二手房转让的费用按揭二手房转让除了要缴纳一般二手房交易的契税、印花税、登记费、交易手续费等外，在“转按揭”过程中，还涉及到银行的按揭转让佣金、抵押担保费、评估费、保险费、律师见证费等费用。希望我的回答对你有所帮助。

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