array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(45) "办理按揭买房具体的流程是怎样的" ["inlink"] => int(0) ["addtime"] => string(10) "1599530139" ["tagid"] => int(1188165) ["id"] => string(7) "1188165" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950620131359) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1188165" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1188165" } [1] => array(11) { ["tagname"] => string(27) "按揭贷款买房的流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923636" ["tagid"] => int(891703) ["id"] => string(6) "891703" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940984766480) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/891703" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/891703" } [2] => array(11) { ["tagname"] => string(36) "装修的具体流程是什么样的" ["inlink"] => int(0) ["addtime"] => string(10) "1606727794" ["tagid"] => int(5979043) ["id"] => string(7) "5979043" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504114421334039) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/5979043" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/5979043" } [3] => array(11) { ["tagname"] => string(24) "按揭贷款买房流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924665" ["tagid"] => int(1065731) ["id"] => string(7) "1065731" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503945930899488) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1065731" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1065731" } [4] => array(11) { ["tagname"] => string(48) "一般的购房按揭的具体流程是什么啊" ["inlink"] => int(0) ["addtime"] => string(10) "1599530139" ["tagid"] => int(1174371) ["id"] => string(7) "1174371" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950157709330) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1174371" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1174371" } [5] => array(11) { ["tagname"] => string(15) "按揭的流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(999364) ["id"] => string(6) "999364" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944031928326) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/999364" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/999364" } [6] => array(11) { ["tagname"] => string(45) "转按揭贷款具体的操作流程有哪些" ["inlink"] => int(0) ["addtime"] => string(10) "1599530139" ["tagid"] => int(1178633) ["id"] => string(7) "1178633" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950292975642) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1178633" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1178633" } [7] => array(11) { ["tagname"] => string(30) "量房具体流程是怎样的" ["inlink"] => int(0) ["addtime"] => string(10) "1600480567" ["tagid"] => int(1359971) ["id"] => string(7) "1359971" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503957264957445) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1359971" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1359971" } [8] => array(11) { ["tagname"] => string(30) "具体步骤流程是怎样的" ["inlink"] => int(0) ["addtime"] => string(10) "1600480630" ["tagid"] => int(1383002) ["id"] => string(7) "1383002" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503957975891995) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1383002" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1383002" } [9] => array(11) { ["tagname"] => string(54) "河南郑州办理暂住证流程具体是什么样的" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1206728) ["id"] => string(7) "1206728" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951219916821) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1206728" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1206728" } [10] => array(11) { ["tagname"] => string(21) "按揭买车的流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(906722) ["id"] => string(6) "906722" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941405245455) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/906722" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/906722" } [11] => array(11) { ["tagname"] => string(18) "按揭车的流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(999354) ["id"] => string(6) "999354" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944030879781) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/999354" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/999354" } [12] => array(11) { ["tagname"] => string(18) "做按揭的流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(999378) ["id"] => string(6) "999378" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944031928340) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/999378" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/999378" } [13] => array(11) { ["tagname"] => string(30) "装修的具体流程是什么" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1231327) ["id"] => string(7) "1231327" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952066117641) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1231327" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1231327" } [14] => array(11) { ["tagname"] => string(21) "买房的具体流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923636" ["tagid"] => int(883879) ["id"] => string(6) "883879" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940768759844) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/883879" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/883879" } [15] => array(11) { ["tagname"] => string(27) "按揭贷款买房的条件" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(1005505) ["id"] => string(7) "1005505" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944202846218) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1005505" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1005505" } [16] => array(11) { ["tagname"] => string(27) "按揭贷款买房的程序" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(1006383) ["id"] => string(7) "1006383" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944226963486) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1006383" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1006383" } [17] => array(11) { ["tagname"] => string(33) "二手房按揭贷款买房流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923399" ["tagid"] => int(843963) ["id"] => string(6) "843963" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503939588063267) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/843963" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/843963" } [18] => array(11) { ["tagname"] => string(18) "贷款买房按揭" ["inlink"] => int(0) ["addtime"] => string(10) "1598923730" ["tagid"] => int(919989) ["id"] => string(6) "919989" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941773295637) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/919989" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/919989" } [19] => array(11) { ["tagname"] => string(21) "贷款买房的流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(502568) ["id"] => string(6) "502568" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927815700496) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/502568" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/502568" } } ["counts"] => int(773952) ["pagecount"] => float(38698) }

当前位置：首页>

装修问答

其他

请问具体按揭贷款买房流程是什么样的？

请问具体按揭贷款买房流程是什么样的？

浏览：46次 | 提问时间： 07-01 04:34

分享到：

2个答案

忘了笑 07-01 04:35

一、操作流程图提供咨询―>受理申请―>贷前调查―>贷款审批―>贷款发放―>贷款回收―>贷款管理　　二、流程中各环节简要说明　　1、提供咨询、受理申请、贷前调查(1)提供咨询经办人向客户提供咨询服务，咨询内容包括：已开办的个人信房贷款种类，对象、条件、额度、期限、利率，还款方式等情况。(2)受理申请借款人在向建设银行咨询后，根据要求填写《中国建设银行浙江省分行个人住房贷款申请书》提出贷款申请，并提供以下资料：身份证，抵押人夫妻关系证明(单身需提供有效证明，借款人收入证明，购房合同，首付款凭证，保证人同意担保的书面证明及建设银行要求提供的其他有关资料。(3)贷前调查经办人受理借款申请后，对借款申请人递交的《申请书》和要求提供的资料的完整性，真实性、有效性和合法性进行调查。通过贷前调查，认为符合贷款条件，准备报批。　　2、贷款审批(1)经办行审批权限内经办行信贷人员――信贷部门负责人――经办行负责人(2)经办行审批权限以外经办行审批同意――报上级行信贷审批机构审批经办人员经调查后，在《中国建设银行个人住房贷款审批表》写明情况并写出审查意见，并将贷款审批表及审批材料交信贷部门负责人，信贷部门负责人在审批表上签署审批意见并交支行分管行长在审批表上鉴署审批意见。超过支行审批权限的，经支行签署审批意见后交上级行信贷审批机构审批。　　3、贷款发放签订合同――办理抵(质)押登记、保险、公证等手续――合同生效后填各类凭证――借款人开立存款帐户――办理贷款划付手续。(1)签订合同贷款审批后，经办人员按不同的借款用途和贷款担保方式要求分别填与合同、借款人当事人(借款人、抵(质)押人、保证人)与建设银行有权签字人签订有关合同。(2)办理抵(质)押登记、保险公证、开立借款人存款帐户等有关手续，签订抵(质)押合同及收妥抵(质)押物后，信贷部门应按抵(质)押物逐项登记“抵(质)押物及权证登记簿”同时根据抵(质)押价值填制“中国建设银行抵(质)押物收妥通知书”加盖经办人名章、业务部门公章及借款人或抵(质)押人名章后，连同抵(质)押权证、质物及权证交保管部门和会计部门。(3)合同生效后填制各类会计凭证。(4)办理贷款划付手续会计部门收到信贷部门的发放款通知并审核无误后，按有关规定和程序办理贷款划付手续、划款采用直按款或专项划款中的一种方式划款　　4、贷款回收(1)委托扣款方式：借款人应与贷款行签订委托扣款协议。(2)柜台还款方式：借款人将现金或信用卡、储蓄卡交柜台经办人办理。　　5、贷后管理(1)日常管理：对所发入个人住房贷款进行跟踪管理、查询分析、具体包括贷款台帐、贷款日常通知、逾期催收、贷后检查、查询统计、抵(质)押物日常保管，直至贷款结清。(2)清户撤押：当借款人按期还清全部借款本息后，信贷部门应销记“抵(质)押物及权证登记簿”同时填制“中国建设银行抵押物、质押物转出通知书”通知会计部门和抵(质)押物保管部门。会计部门、保管部门、保管部门审核无误后据此办理清户撤押手续。(3)档案管理：信贷经办人员办妥每笔贷款后，定期将收集齐全的有关资料整理后，将合同正本交档案专管员，并办理有关移交手续。合同副本留信贷部门专人保管以备日常管理。贷款本息结清后信贷部门应通知档案专管员将档案正式归档。

巷口转末的回眸 07-01 04:43

具体流程官网应该有详细指导，请参照即可

装修问答

其他

请问具体按揭贷款买房流程是什么样的？

最新问题

相关搜索

最新推荐

请问具体按揭贷款买房流程是什么样的？