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请问广州房屋按揭贷款流程是什么？在广州有没有什么具体的要求呢？

请问广州房屋按揭贷款流程是什么？在广州有没有什么具体的要求呢？

浏览：70次 | 提问时间： 07-01 04:34

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3个答案

会怎样 07-01 04:35

一、没有房产证的，离婚按揭房如何过户，没有房产证的按揭房，离婚后如何过户呢?我们都知道，房屋过户必须有房产证，没有房产证是无法进行过户的。按揭房的房产证在正常情况下，应该是在银行抵押的。因此，离婚后，分得房子的一方想要过户的，可以有两种办法如下：1、提前还贷：消除银行按揭抵押贷款的抵押登记，如果没有很多现金提前还贷的，可以考虑通过一些贷款公司将房产证赎出。在取得房产证后，双方到房产登记部分办理过户。2、没有能力一次清偿贷款的，可以与贷款银行协商，变更贷款人，重新签订住房贷款抵押合同。这种操作方式比较麻烦，因为银行出于偿还贷款的风险及工作量的考虑，一般是不会给予配合的。二、有房产证的，离婚按揭房如何过户，怎么过户，有房产证的，离婚按揭房过户就比较好办理了。按照正常的过户手续办理即可。三、离婚后按揭房过户流程，离婚后按揭房如何过户，过户流程是什么?如上文所说，未取得房产证的无法办理过户。因此，离婚按揭房取得房产证的，过户首先需要办理离婚房产析产，离婚房产析产是离婚房产过户免征契税的证明。如果不是因为离婚分得的房产，在房产过户时就需要缴纳契税。办理完离婚房产析产手续后，就可以到房产管理部门办理离婚房产过户手续，具体的过户流程有：(1)、协议离婚，签订离婚协议书的到公证处办理析产公证，如有离婚判决书的话无需办理公证：(2)、到交易中心办理转绘;(3)、到房管局办理免征契税申请;(4)、办理析产登记手续并缴交50元登记费;(5)、取证。

毁梦少年 07-01 04:43

流程：审查→签约→付款→按揭贷款→收房→产权→退房→装修

最后的距离 07-01 04:51

按揭房再次申请贷款的流程是什么?据了解，需要经过以下流程：　　1、借款人了解咨询自己的按揭房是否可办再贷款。具体您可直接点击本网首页，联系首页贷款顾问咨询;　　2、借款人在了解自己的房子以及自己的条件符合按揭房再贷款条件后，准备按揭房再贷款所需的相关资料，到贷款部门提出贷款申请，提交资料;　　3、资料提交成功，贷款机构审核资料;　　4、资料审核经过，双方签订贷款协议;　　5、协议签订完毕，贷款机构发放贷款。　　此外，借款人办理贷款前，也一定要提前详细咨询了解，然后再根据自身的实际情况来申请贷款，并做好合理的还款计划，以增加成功获贷的机率。

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请问广州房屋按揭贷款流程是什么？在广州有没有什么具体的要求呢？

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请问广州房屋按揭贷款流程是什么？在广州有没有什么具体的要求呢？