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二手房房产证抵押贷款流程一般是怎样的?_其他_设计456问答
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二手房房产证抵押贷款流程一般是怎样的?

浏览:47次 | 提问时间: 07-01 04:34
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3个答案
寻觅过往 07-01 04:35

二手房抵押贷款流程一共分为5个步骤:一、先填写二手房抵押贷款的申请书,在这个过程中申请贷款人要向银行提交一些证明材料:1、固定收入证明,(1年之内的银行流水进账必需满足条件,这个要根据贷款的数额计算。)2、房屋的住房产权所有权证件以及房产的评估报告书。3、交易住房的合同、协议。二、银行对于二手房抵押贷款的申请书的审查,对于此步骤,银行可能对于申请人进行回访,回访目的:主要针对申请人是否有能力进行还贷。三、审核通过之后,银行要对抵押房产产权证进行收押。四、双方签订二手房抵押贷款合同,签订完成之后还要进行公证。五、公证之后,银行将对申请人进行放款,通常是通过转账的形式打到指定的账户。二手房抵押贷款:是指购房人以在房地产二级市场上交易的房产作抵押,向银行申请贷款,用于支付购房款,再由购房人分期向银行还本付息的贷款业务。为配合住房二级市场的开发,做好住房消费信贷工作,建行北京市分行特指定精品家园房地产咨询公司等6家房产中介代理机构,代办贷款业务。二手房抵押贷款是指银行运用信贷资金向在房地产二级市场购买自用住房或商用房,因自有资金不足向银行申请借款,并以所购住房作抵押的购房人发放的贷款。二手房系指可在房地产二级市场流通,售房人具有完全处置权利的房屋。折叠贷款对象和条件:(1)年满18周岁,不超过60周岁的具有完全民事行为能力的中国公民。(2)可受理的抵押物包括:住宅、写字楼、商铺、别墅等。(3)借款期限:1年至10年。(4)借款金额:10万至3000万。(5)借款用途:可用于装修、旅游、买车、买商铺等大额消费;企业经营周转。(6)抵押成数:最高可放款到评估值的100%,三天批贷!

07-01 04:43

二手房房产证抵押贷款流程:凭房产证和土地证以及身份证,到就近任何一家商业银行申请抵押贷款。可以贷评估价60-70%的款额。贷款利率如下:一、短期贷款六个月(含)4.86六个月至一年(含)5.31二、中长期贷款一至三年(含)5.40三至五年(含)5.76五年以上5.94价格来源网络,仅供参考.

去自经年 07-01 04:52

二手房抵押贷款流程共分三步,具体如下:一、买卖双方签订购房合同并支付首付款后,到银行提出贷款申请。填写贷款申请表(如果已婚,须夫妻双方一起前来,未婚,可单独前来),中心工作人员经过审批通过后,出具《贷款承诺书》,作为购房者办理贷款手续的依据。二、凭身份证原件领借款合同的贷款支付凭证回单,所需经过的流程为:受理柜(受理贷款申请)――保险柜(办理保险)――签约柜(签订借款合同)――公证柜(办理合同公证)――签约柜(领取贷款合同)。三、在取得《贷款承诺书》并就所抵押的房屋办理保险后,即可持上述资料及《贷款承诺书》、拟用于还款的银行储蓄存折和储蓄卡、保险单、与银行签订《借款合同》、《抵押合同》等有关法律性文件,并办理公证手续(如果买房者已婚,须夫妻双方一起前来)。如果夫妻双方或其中一方不能亲自前来签订合同,需授权委托另一方或第三方代为办理贷款相关手续。授权委托书需经公证,且受托人有转委托权。

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