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谁知道房开贷款操作流程是什么？

谁知道房开贷款操作流程是什么？

浏览：40次 | 提问时间： 07-02 04:35

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3个答案

慢热狗 07-02 04:36

一、基本流程

递交申请→受理审查→项目评估→核查审批→发放贷款→资料归档→贷后管理→收贷撤保

二、借款人资格

借款人申请房地产开发过桥贷款必须具备4证——《建设用地规划许可证》、《建设工程规划许可证》、《国有土地使用权证》、《建设工程开工证》。

你会腻 07-02 04:44

房开贷款操作流程是什么
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。
希望对你有帮助！

有些宠溺 07-02 04:52

他们的流程相当的简单，简单的缩就是几个步骤而已：一般都是先审核客户资料，然后和客户约谈并确定放款金额，办理公证手续最后签订借款合同、放款，客户提供就需要提供如下资料：购房合同、抵押合同、贷款合同、身份证、户口本、婚姻证明、银行还款流水、个人征信报告、房屋状态、提供一些业务上的合同。

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谁知道房开贷款操作流程是什么？

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