array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(24) "贷款需要什么资料" ["inlink"] => int(0) ["addtime"] => string(10) "1598924443" ["tagid"] => int(1034513) ["id"] => string(7) "1034513" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503945061629977) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1034513" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1034513" } [1] => array(11) { ["tagname"] => string(30) "邮政贷款需要什么资料" ["inlink"] => int(0) ["addtime"] => string(10) "1598923399" ["tagid"] => int(845733) ["id"] => string(6) "845733" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503939637346334) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/845733" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/845733" } [2] => array(11) { ["tagname"] => string(18) "按揭贷款资料" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(915924) ["id"] => string(6) "915924" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941660049425) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/915924" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/915924" } [3] => array(11) { ["tagname"] => string(27) "房地产按揭贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(499780) ["id"] => string(6) "499780" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927734960161) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/499780" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/499780" } [4] => array(11) { ["tagname"] => string(30) "银行贷款需要什么资料" ["inlink"] => int(0) ["addtime"] => string(10) "1598924155" ["tagid"] => int(989343) ["id"] => string(6) "989343" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943749861391) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/989343" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/989343" } [5] => array(11) { ["tagname"] => string(30) "捷信贷款需要什么资料" ["inlink"] => int(0) ["addtime"] => string(10) "1598923636" ["tagid"] => int(880860) ["id"] => string(6) "880860" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940684873754) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/880860" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/880860" } [6] => array(11) { ["tagname"] => string(30) "贷款买房需要什么资料" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(502530) ["id"] => string(6) "502530" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927814651920) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/502530" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/502530" } [7] => array(11) { ["tagname"] => string(18) "什么按揭贷款" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(864460) ["id"] => string(6) "864460" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940162682882) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/864460" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/864460" } [8] => array(11) { ["tagname"] => string(63) "办理临时居住证需要什么谁能说一下这个谁了解" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1224664) ["id"] => string(7) "1224664" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951841722377) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1224664" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1224664" } [9] => array(11) { ["tagname"] => string(18) "需要什么资料" ["inlink"] => int(0) ["addtime"] => string(10) "1600481200" ["tagid"] => int(1446661) ["id"] => string(7) "1446661" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503960161124359) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1446661" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1446661" } [10] => array(11) { ["tagname"] => string(28) "申请资料/流程是什么" ["inlink"] => int(0) ["addtime"] => string(10) "1600480951" ["tagid"] => int(1420522) ["id"] => string(7) "1420522" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503959335895070) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1420522" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1420522" } [11] => array(11) { ["tagname"] => string(18) "按揭贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594372024" ["tagid"] => int(549875) ["id"] => string(6) "549875" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503929171509271) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/549875" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/549875" } [12] => array(11) { ["tagname"] => string(45) "办土地证需要什么材料这个谁了解" ["inlink"] => int(0) ["addtime"] => string(10) "1599534201" ["tagid"] => int(1237625) ["id"] => string(7) "1237625" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952308338705) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1237625" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1237625" } [13] => array(11) { ["tagname"] => string(66) "我想问一下房产过户需要注意什么需要关注哪些点" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1206615) ["id"] => string(7) "1206615" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951215722524) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1206615" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1206615" } [14] => array(11) { ["tagname"] => string(24) "契税需要什么资料" ["inlink"] => int(0) ["addtime"] => string(10) "1598924010" ["tagid"] => int(964474) ["id"] => string(6) "964474" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943060946960) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/964474" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/964474" } [15] => array(11) { ["tagname"] => string(24) "住房按揭贷款资料" ["inlink"] => int(0) ["addtime"] => string(10) "1598923730" ["tagid"] => int(933284) ["id"] => string(6) "933284" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503942152880148) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/933284" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/933284" } [16] => array(11) { ["tagname"] => string(24) "房屋按揭贷款资料" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(999285) ["id"] => string(6) "999285" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944029831176) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/999285" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/999285" } [17] => array(11) { ["tagname"] => string(24) "房屋按揭贷款资料" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(999297) ["id"] => string(6) "999297" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944029831188) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/999297" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/999297" } [18] => array(11) { ["tagname"] => string(36) "办理房屋贷款需要什么资料" ["inlink"] => int(0) ["addtime"] => string(10) "1598923730" ["tagid"] => int(923844) ["id"] => string(6) "923844" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941882347523) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/923844" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/923844" } [19] => array(11) { ["tagname"] => string(39) "手机贷需要什么资料才能贷款" ["inlink"] => int(0) ["addtime"] => string(10) "1598923862" ["tagid"] => int(935556) ["id"] => string(6) "935556" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503942214746146) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/935556" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/935556" } } ["counts"] => int(437079) ["pagecount"] => float(21854) }

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我想了解一下房地产按揭贷款，这个贷款有哪些流程，需要注意什么，需要什么资料？

我想了解一下房地产按揭贷款，这个贷款有哪些流程，需要注意什么，需要什么资料？

浏览：38次 | 提问时间： 07-01 04:34

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Sadness逝言 07-01 04:35

一、提交相关商品房资料房地产按揭贷款流程借款人办理贷款前，请查明所购楼宇是否有银行提供个人住房按揭贷款承诺书，然后，借款人申请个人住房按揭贷款，填写《贷款申请审批表》，将有商品房关材料(付首期款证明、买卖合同、身份证、经济收入来源证明等原件、复印件)提交贷款银行房地产按揭贷款流程二、商品房发展商签字房地产按揭贷款流程作为借款保证人贷款申请审批表“保证人意见”栏上签字、盖章房地产按揭贷款流程三、贷款银行审批房地产按揭贷款流程信贷员对借款申请人提交的全部资料、文件进行审查，逐级审批房地产按揭贷款流程四、发放贷款贷款银行领回办妥手续的材料并根据依法生效的借款合同发放贷款房地产按揭贷款流程五、公证部门登记国土局产权登记和公证部门,办理房产产权抵押登记手续房地产按揭贷款流程六、通知商品房发展商领回借款合同并由发展商出具付清房款证明给贷款行通知借款人领回借款合同、借据、保险单七、贷款行信贷员将商品房贷款档案归档房。

夏末微微凉 07-01 04:43

(1)选择房产购房者如想获得楼宇按揭服务，在选择房产时应着重了解这方面的内容。购房者在广告中或通过销售人员的介绍得知一些项目可以办理按揭贷款时，还应进一步确认发展商开发建设的房产是否获得银行的支持，以保证按揭贷款的顺利取得。(2)办理按揭贷款申请购房者在确认自己选择的房产得到银行按揭支持后，应向银行或银行指定的律师事务所了解银行关于购房者获得按揭贷款支持的规定，准备有关法律文件，填报《按揭贷款申请书》。(3)签订购房合同银行收到购房者递交的按揭申请有关法律文件，经审查确认购房者符合按揭贷款的条件后，发给购房者同意贷款通知或按揭贷款承诺书。购房者即可与发展商或其代理商签订《商品房预售、销售合同》。(4)签订楼宇按揭合同购房者在签订购房合同，并取得交纳房款的凭证后，持银行规定的有关法律文件与发展商和银行签订《楼宇按揭抵押贷款合同》明确按揭贷款数额、年期、利率、还款方式及其他权利义务。(5)办理抵押登记、保险购房者、发展商和银行持《楼宇按揭抵押贷款合同》及购房合同到房地产管理部门办理抵押登记备案手续。对期房，在竣工后应办理变更抵押登记。在通常情况下，由于按揭贷款期间相对较长，银行为防范贷款风险，要求购房者申请人寿、财产保险。购房者购买保险，应列明银行为第一受益人，在贷款履行期内不得中断保险，保险金额不得少于抵押物的总价值。在贷款本息还清之前，保险单交由银行执管。(6)开立专门还款账户购房者在签订《楼宇按揭抵押贷款合同》后，按合同约定，在银行指定的金融机构开立专门还款账户，并签订授权书，授权该机构从该账户中支付银行与按揭贷款合同有关的贷款本息和欠款。银行在确认购房者符合按揭贷款条件，履行《楼宇按揭抵押贷款合同》约定义务。并办理相关手续后，一次性将该贷款划入发展商在银行开设的银行监管账户，作为购房者的购房款。二、房地产办理按揭需要交纳哪些税费(1)律师费(律师事务所收取)；(2)抵押物财产保险费(保险公司收取)；(3)印花税(国家税务部门收取)；(4)房产抵押备案、登记、注销费(国家房屋土地管理部门收取。

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我想了解一下房地产按揭贷款，这个贷款有哪些流程，需要注意什么，需要什么资料？

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我想了解一下房地产按揭贷款，这个贷款有哪些流程，需要注意什么，需要什么资料？