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首套房贷款办理流程是什么？

首套房贷款办理流程是什么？

浏览：30次 | 提问时间： 06-30 10:58

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如果可以 06-30 10:59

首套房贷办理需要的申请材料：
　　1、房产证;
　　2、权利人及配偶的身份证;
　　3、权利人及配偶的户口本;
　　4、权利人的婚姻证明(结婚证或民政局开具的未婚证明);
　　5、收入证明;
　　6、如房产证权利人有未成年儿童，请提供出生证;
　　7、如房产内还有银行贷款，请提供原贷款合同及最后一期的银行对帐单;
　　8、为提高贷款通过率，请尽量多的提供家庭其他财产证明(如另处房产证、股票、基金、现金存折、车辆行驶证等等)。
　　首套房贷的办理流程：
　　1、借款人贷前填写居民住房抵押申请书;
　　2、银行对借款人的贷款申请、购房合同、协议及有关材料进行审查;
　　3、借款人将抵押房产的产权证书及保险单或有价证券交银行收押;
　　4、借贷双方担保人签订住房抵押贷款合同并进行公证;
　　5、贷款合同签订并经公证后，银行对借贷人的存款和贷款通过转帐方式划入购房合同或协议指定的售房单位或建房单位;
　　6、贷款结清，贷款结清包括正常结清和提前结清两种。
　　①正常结清：在贷款到期日(一次性还本付息类)或贷款最后一期(分期偿还类)结清贷款;
　　② 提前结清：在贷款到期日前，借款人如提前部分或全部结清贷款，须按借款合同约定，提前向银行提出申请，由银行审批后到指定会计柜台进行还款。贷款结清后，借款人应持本人有效身份证件和银行出具的贷款结清凭证领回由银行收押的法律凭证和有关证明文件，并持贷款结清凭证到原抵押登记部门办理抵押登记注销手续。　　相关知识延伸阅读：二手房贷要注意哪些问题
　　(一)选择利率因人而异
　　在浮动利率和固定利率之间，如果是收入稳定并且月收入很高的人群，可以考虑选择固定利率，因为未来可以不受加息的影响;但如果是工作稳定但收入不高的阶层，如老师、大学教授、公务员等，则建议选择浮动利息，因为他们在银行贷款客户中属于优质客户，可以享受到15%的优惠利率，浮动利率比较优惠。　　
(二)注意二手房楼龄
　　二手房贷因为楼龄和贷款时间加起来不能超过30年，所以对二手房楼龄也是一个比较严格的考验，如果是购买15年以上楼龄的二手房，银行原则上只提供房款总额五成以下的贷款，此外，如果是同一业主同时供两三套房产，也不能享受15%的优惠利率。　　
(三)注意后期还款压力
　　利率调整后，做二手按揭要注意贷款银行对提前还款的规定，条件允许的可选择等额本金(递减法)的还款方式，此方式前期利息负担少，还款压力会相应增加。

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