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西安房产贷款流程有什么？

浏览：34次 | 提问时间： 07-02 04:35
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3个答案
眼线障碍 07-02 04:36

贷款买房的流程
购房者在签订购房合同，并取得交纳房款的凭证后，持银行规定的有关法律文件与发展商和银行签订《楼宇按揭抵押贷款合同》明确按揭贷款数额、年期、利率、还款方式及其他权利义务。
1、先与开发商签定房屋买卖合同；
2、根据开发商要求提供的资料：户籍证明、身份证、婚姻证明复印件，由自己所在单位开具盖有公司鲜章的收入证明(开发商所签银行的收入证明格式)交由开发商办理；
3、经过银行审批后通知和银行签定，就完成了。
按揭贷款就是购房者以所购住房做抵押并由其所购买住房的房地产企业提供阶段性担保的个人住房贷款业务。
按揭贷款中人们最关心的是条件及程序，首先办理按揭贷款需要提供的资料：
1、申请人和配偶的身份证、户口原件及复印件3份(如申请人与配偶不属于同一户口的需另附婚姻关系证明)。
2、购房协议书正本。
3、房价30%或以上预付款收据原件及复印件各1份。
4、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。
5、开发商的收款帐号1份。
其贷款手续及程序是这样的。
首先，请到银行了解相关情况。并办理相关带齐以上的资料申请个人住房贷款。
然后接受银行对您的审查，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。
2012-09-10
贷款买房的流程及所需材料
付了首付,签定购房买卖合同后,可以办理按揭贷款
贷款条件：
1、年满18周岁具有完全民事行为能力的自然人；
2、贷款到期时男士年不超过60岁，女士年龄不超过55岁；
3、有稳定合法的职业和收入来源，有还本付息能力。
希望我的回答能够帮助到您。

成绩爱挑拨离间 07-02 04:44

去除厕所异味的小方法：

1、放一小杯醋可以除臭

2、放些晒干的残茶叶可除臭

3、放一盒清凉油在马桶水箱上可除臭

4、放一些桔皮可以除臭

5、还可放两片柠檬

6、也可放一小块木炭来除臭

希望对你有帮助!

情深太难 07-02 04:53

西安房产抵押贷款流程
 1、备齐资料     
个人账户最近半年的银行流水对账单
2、向银行申请贷款，填写贷款申请书
3、银行考核你的资料，会电话核实你的信息
4、银行同意批贷，你与银行的人一起去房管局做抵押登记手续
5、银行拿他项权证，放款。
希望对你有帮助

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