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深圳买房子贷款流程哪位朋友比较熟悉？介绍一下？

深圳买房子贷款流程哪位朋友比较熟悉？介绍一下？

浏览：47次 | 提问时间： 07-01 04:34

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西瓜的情人是夏天 07-01 04:34

买房子的流程，双方达成协议，办理房屋过户事宜，流程：资格审核――网签――缴税――过户付款方式：如果双方是朋友互相信任直接私下现金交易就可以。如果不认识或者找中介公司基本都是第三方资金监管。

柚稚ˇ 07-01 04:43

首先，你得等房子交付之后，先去把房产证和土地证办下来。第二，找一家银行(推荐商业银行，像深发展、中信、浦发等等，四大国有银行的服务一般都不怎么样)的个人房贷部门，说你要办理住房抵押贷款。这里一般是需要你提供你贷款后的用途的(银行要控制风险)，你需要提供你的房屋两证、身份证、单身证明或者结婚证、你的收入证明(没有工作也没关系，随便找个朋友的公司给你开个就行了，这个并不太重要)。然后银行会让你签房屋抵押合同，对你的房屋进行估值，一般来说，可以贷出你的房屋评估价格的6成样子。后面就是等下款了。顺便提醒一句，拿到房子后办理房屋抵押贷款，你的手续费包括利率都比买房子时直接办理商品房按揭要高，而且贷的钱相对要少。如果你和开发公司比较熟，可以商量一下，重签你的购房合同，变成商品房按揭，等银行下款后，让开发公司把你之前一次性付的款还给你。这样更划算一点，当然，这个需要开发公司配合了，不是那么容易的。希望可以帮到你

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深圳买房子贷款流程哪位朋友比较熟悉？介绍一下？

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