array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(24) "关于银行借贷问题" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(863296) ["id"] => string(6) "863296" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940129128462) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/863296" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/863296" } [1] => array(11) { ["tagname"] => string(24) "关于民间借贷问题" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(916292) ["id"] => string(6) "916292" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941669486629) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/916292" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/916292" } [2] => array(11) { ["tagname"] => string(24) "关于买房户口问题" ["inlink"] => int(0) ["addtime"] => string(10) "1598924154" ["tagid"] => 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关于建设银行住房公积金贷款问题？

关于建设银行住房公积金贷款问题？

浏览：45次 | 提问时间： 07-02 04:10

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囍喜` 07-02 04:10

你好，二手房银行办理按揭贷款的流程如下：1、贷款人准备资料：身份证、户口本、婚姻证明、收入证明、银行流水；2、然后到银行签订贷款合同；3、银行会审核贷款人及贷款人家庭的征信情况，如果征信没有问题的话就会打电话审核贷款人提交的资料的真实性；4、审核通过后银行就会叫贷款人把产权证拿到银行；5、银行拿到房管局办理抵押后放款；买房按揭贷款的种类：一、个人住房组合贷款指以住房公积金存款和信贷资金为来源向同一借款人发放的用于购买自用普通住房的贷款，是个人住房委托贷款和白营贷款的组合。此外，还有住房储蓄贷款和按揭贷款等。二、个人住房委托贷款指银行根据住房公积金管理部门的委托，以住房公积金存款为资金来源，按规定的要求向购买普通住房的个人发放的贷款。也称公积金贷款。三、个人住房自营贷款是以银行信贷资金为来源向购房者个人发放的贷款。也称商业个人住房贷款，各银行的贷款名称也不一样，建设银行称为个人住房贷款，工商银行和农业银行称为个人住房担保贷款。

Formerly 07-02 04:19

广州市住房公积金贷款承办银行主要有建设银行、工商银行、农业银行、中国银行、交通银行、民生银行、中信银行、华夏银行、广州银行、广州市农村商业银行、兴业银行、光大银行、浦发银行、深圳发展银行、招商银行、广发银行、邮政储蓄银行。

我以为捂着心脏就不疼 07-02 04:27

目前，个人二手住房贷款主要有委托贷款、自营贷款和组合贷款三种。个人二手住房委托贷款指银行根据住房公积金管理部门的委托，以住房公积金存款为资金来源，按规定的要求向购买普通住房的个人发放的贷款，也称公积金贷款。个人二手住房自营贷款是以银行信贷资金为来源向购房者个人发放的贷款。也称商业性个人住房贷款，各银行的贷款名称也不一样，建设银行称为个人住房贷款，工商银行和农业银行称为个人住房担保贷款。个人二手住房组合贷款指以住房公积金存款和信贷资金为来源向同一借款人发放的用于购买自用普通住房的贷款，是个人二手住房委托贷款和白营贷款的组合。此外，还有住房储蓄贷款和按揭贷款等。关于二手房贷款方式就为您介绍到这里希望可以帮助到你。

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