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我想了解一下关于二手房的按揭贷款，天津市二手房按揭贷款的流程是什么样的？

我想了解一下关于二手房的按揭贷款，天津市二手房按揭贷款的流程是什么样的？

浏览：48次 | 提问时间： 07-01 04:34

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清凉一夏 07-01 04:35

天津二手房贷款申请条件及贷款流程，天津二手房贷款申请条件：天津二手房贷款借款人必须是年满18周岁，男女方不超过70周岁，有城镇户口居民，本市、外地均可(外地人需要提供本地联系人和联系方式，暂住证等，并且能够提供稳定的收入证明，个人征信纪录良好等。贷款人一定要注重个人良好信用的保持，在信用卡还款和贷款月供等生活小事，都要维护好自己的信用纪录，一次的逾期可能就使借款人的信用挂上了污点，对以后的贷款造成负面影响。身份证，户口本，收入证明，结婚证，征信报告等是银行需要的最基本的资料，在实际操作还有一些特殊情况，需要借款人提供额外的资料，在借款人配合的情况才能够快速批贷、放贷。简单来说：“评估→打协议-银行笔录、面签、交首付款→批准贷款→过户→抵押登记―银行―放款→领新房本”(说明：主要指按揭贷款，公积金贷款还有其他步骤)天津二手房贷款注意事项：办理贷款时涉及到银行、建委、房管局等多个部门，借款人最好找一家专业的贷款机构(在这里强烈推荐星火贷款，现在免服务费办理二手房贷款)，帮助借款人来选择合适的银行与贷款产品，在省钱得到更细致、周到的贷款服务。

看清楚 07-01 04:43

天津市二手房贷款办理流程：第一步：先找好意欲购买的房屋，但是该房屋必须是产权明晰(已办理《房屋所有权证》)，并具备符合政府定的进入房地产市场流通的条件的房屋。第二步：选择一家银行指定的能办理按揭贷款业务的房产交易代理机构(如泉州房产交易管理所房地产中所)，并在该机构完成房产价值评估工作，交纳房产评估费。第三步：申请二手房抵押贷款时应填写借款申请表，并向贷款银行提交下列资料：1)身份证明(居民身份证、户口簿或其他有效居留证件)、学历证明、婚姻状况证明2)经济收入证明，并可有选择性地提供包括存款证明、有价证券在内的其他财产证明；以上证明资料越全面银行在放贷评审中的评分越高，享有贷款金额及时间的条件越优越。

兔牙妹 07-01 04:51

天津市二手房买卖流程(按揭贷款)一、到建行找专业信贷经理根据月收入、本人资质情况计算贷款额度、月还款等事项并领取收入证明二、买卖双方本人到房屋所在区的房管局打印二手房《资金监管贷款》协议三、到建行存首付并办理贷款手续，希望对大家有用。

陌上花如锦 07-01 05:00

二手房按揭贷款流程1.客户方申请按揭资料2.银行方准备借贷合同3.签署合同并按揭资料入库4.完成信贷系统5.柜台放款。

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我想了解一下关于二手房的按揭贷款，天津市二手房按揭贷款的流程是什么样的？