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储备土地抵押贷款的操作流程是什么样的？

储备土地抵押贷款的操作流程是什么样的？

浏览：40次 | 提问时间： 07-03 04:09

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情之殇爱之忧 07-03 04:09

你好，操作流程：
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。

希望我的回答能帮到您

肠断 07-03 04:18

①土地登记申请
②地籍调查
③权属审核
④注册登记
⑤核发或者更换、注销土地证书二、
所需申报的材料
①土地登记申请书；
②土地权属来源证明(各级政府批准使用土地的批文文件，土地使用权出让合同及有效证明文件)；
③图件(征用土地图件，有关地籍证明)；
④单位法定代表人证明，个人身份证明或户籍证明，委托代理人申请登记的，应提交授权委托书和代理人资格证明；
⑤地上附着物权属证明；⑥需提交的其他有关材料。

わがまま任性 07-03 04:26

一、首先根据需要申请的贷款额度及银行许诺的抵押率(放款额/抵押物评估值)倒推出抵押物应达到的评估总价值。　　　　二、咨询不动产评估机构对于目标抵押物进行评估所能达到的最大评估单价，然后再根椐第一步算出的抵押物应达到的评估总价值除以最大评估单价计算出所需的抵押物的面积数。　　　　三、根据以上第二步算出的抵押物的面积数，先在CAD规划图上自行画出符合银行抵押贷款条件的土地区域。　　　　四、带着第三步自行画出的抵押土地区域图再到国土局地籍科进行土地测绘，出抵押测绘图。　　　　五、根据抵测绘图到不动产评估机构进行评估出具评估报告。　　　　　　六、与银行信贷人员一起带着评估报告及公司的关证件(营业执照等)到国土局地籍科办理抵押登记，填制最高额抵押贷款合同，同时向银行提供贷款申请书及公司同意就目标地块进行抵押贷款的股东会(或董事会决议)等资料。　　七、填好最高额抵押贷款合同按银行要求提供所需的相关资料后，等待银行进行放贷即可，至此整个抵押贷款程序基本操作完毕。
希望我的回答能帮到你。

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