array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(54) "请问各位成都居住证办理需要什么资料啊" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1207748) ["id"] => string(7) "1207748" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951254519836) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1207748" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1207748" } [1] => array(11) { ["tagname"] => string(27) "内附办理流程与资料" ["inlink"] => int(0) ["addtime"] => string(10) "1600481566" ["tagid"] => int(1512073) ["id"] => string(7) "1512073" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503962387251215) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1512073" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1512073" } [2] => array(11) { ["tagname"] => string(24) "住房贷款办理流程" ["inlink"] => int(0) ["addtime"] => string(10) 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"//m.sheji456.com/ask/tlist/1207671" } [7] => array(11) { ["tagname"] => string(42) "北京入台证办理需要哪些流程啊" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1207715) ["id"] => string(7) "1207715" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951253471257) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1207715" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1207715" } [8] => array(11) { ["tagname"] => string(42) "昆明入台证办理流程哪位清楚啊" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1207769) ["id"] => string(7) "1207769" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951255568402) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1207769" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1207769" } [9] => array(11) { ["tagname"] => string(39) "请问宿迁房产过户怎么办理啊" ["inlink"] => int(0) ["addtime"] => string(10) 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请问办理住房贷款有什么资料和流程啊？

请问办理住房贷款有什么资料和流程啊？

浏览：42次 | 提问时间： 07-01 04:34

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原谅我心如蛇蝎无人爱 07-01 04:34

商业贷款手续流程关于如何贷款买房，以及具体到贷款买房需要什么手续，都必须在贷款买房前做好充足的功课，了解清楚。第一步：签约纳税签约纳税是贷款买房流程第一步。签订《预售契约》、《买卖合同》；按开发商的具体要求缴纳首付款；与开发商各自按房价款的0．5％的额度缴纳印花税。第二步：提交申请贷款买房流程中最繁琐，且最重要的一步，就是提交申请。有别于住房公积金贷款买房，商业贷款买房要按规定填写及提交相关资料。(1)填写申请资料：1、《个人住房贷款借款申请表》2、《个人住房贷款借款合同》3、《贷款房屋所有权证收押合同》4、《授权委托书》5、《承诺书》6、《谈话记录》(2)提交申请资料：1、申请人和配偶的身份证、户口簿、暂住证、结婚证、学历证等相关证明。2、购房协议书正本3、申请人家庭收入证明材料和有关资产证明等，包括工资单、个人所得税纳税单、单位开具的收入证明、银行存单等在了解如何贷款买房的过程中会发现，和住房公积金贷款买房流程一样，办理完以上提及的贷款买房手续，则算提交申请完成，接下来就要等待银行审批。第三步：银行审核银行根据贷款人提供的资料，对贷款人资信、贷款额度、贷款年限等作出审核。这一步贷款买房手续是银行做主导，是关系到贷款申请成功与否的关键。第四步：签订贷款相关合同银行审批后，与贷款人签订一系列合同文件。大多数人认为签订完合同之后，贷款买房流程结束。其实只算完成了贷款买房手续中绝大部分的工作，接下来还有一个步骤。第五步：贷款人按月还款贷款买房手续中最后一个步骤就是归还贷款。直至贷款全数归还之日，整个贷款买房流程才算真正结束。

嗯哼嗯哼蹦擦擦 07-01 04:43

个人住房贷款手续需要的手续：首先，到银行了解相关情况；办理相关带齐以上的资料申请个人住房贷款；然后接受银行的审查，并确定贷款额度；接下来就可以办理借款合同，且由银行代办保险；办理产权抵押登记和公证；最后剩下的就是银行发放贷款，借贷人每月还款和还清本息后的注销登记。

下欲 07-01 04:51

住房贷款需要什么条件：首先必须满足未贷款两次(还清也算)；其次没有不良记录或有逾期但在银行接受范围内；再次必须年满18周岁(一般是要满22岁银行才比较可能放贷)；其他资料：购房首付款发票或收据、收入证明(或银行流水，证明月收入是贷款月供的两倍以上)、婚姻证明(已婚或未婚)、户口本、公积金账户(如果有交的话)、身份证(或军官证等)、社保或纳税证明、房屋评估报告。

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