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期房转现房抵押手续有哪些？办理的流程是什么？

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期房转现房抵押手续有哪些？办理的流程是什么？

浏览：64次 | 提问时间： 06-30 10:56

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2个答案

槑人爱 06-30 10:57

你好，烟台公积金贷款流程如下：1.借款人将贷款材料准备齐全后到住房公积金管理机构进行审查审批;2.对于住房公积金管理机构审批通过的贷款，市中心由借款人持委托受理个人住房公积金贷款通知书”到委托银行办理相关手续(如签订借款合同等)，分支机构由银行通知借款人前去办理相关手续;3.委托银行整理材料到房产交易部门办理抵押质押手续(提示：购买商品房期房的，借款人需要先备案;购买现房的，需要房产证办出来;购买二手房的，需要借款人配合到房产交易部门办理抵押)。希望我的回答对你有所帮助

退出是最好的选择暴力倾向女 06-30 11:05

现房抵押是指你手里有一套完全产权的房屋(没有贷款)，然后将这个房屋抵押给银行，取得现金的贷款。至于条件，那是非常复杂了，各种情况很多，基本都需要面谈的。手续和普通银行贷款的手续一样，先批款，后下额度，然后设抵押，最后拿款。不过现实操作要复杂的多，而且现在银行额度又紧张，很难下到款。希望您采纳谢谢

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