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求助一下房产证异地抵押贷款可以不？流程怎么走？

求助一下房产证异地抵押贷款可以不？流程怎么走？

浏览：52次 | 提问时间： 07-01 04:34

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姓坚名强不死照样猖狂 07-01 04:35

房产抵押只能在本地办理抵押贷款，房产证不能异地办理抵押贷款。房产抵押贷款所需资料：1.借款人的有效身份证、户口簿；2.婚姻状况证明，未婚的需提供未婚证、已离婚的需出具法院民事调解书或离婚证(注明离异后未再婚)；3.已婚需提供配偶的有效身份证、户口簿及结婚证；4.借款人的收入证明(连续半年的工资收入证明或纳税凭证当地)；5.房产的产权证；6.担保人(需要提供身份证、户口本、结(未)婚证等)。贷款需要支付律师见证费、抵押登记费、抵押房产的保险费、房产的评估费等。一般贷款下来要1个月左右。流程：1.向银行提出贷款申请，2.银行受理后，对抵押房产价值进行评估，根据评估值核定贷款金额；3.签定借款合同等；4.办理房地产抵押登记事宜；5.银行放款。

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求助一下房产证异地抵押贷款可以不？流程怎么走？

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