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谁来给我说下合肥房产抵押贷款流程有哪些？

谁来给我说下合肥房产抵押贷款流程有哪些？

浏览：50次 | 提问时间： 07-06 08:16

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只是我还放不下你 07-06 08:17

你好很高兴为你解答,据我所知,以房产抵押、以经营的企业(工商执照)为贷款人申请贷款。贷款人先到银行咨询抵押贷款事宜,再按照银行指定到评估公司申请评估,取得评估报告,之后贷款人夫妻双方带着***明、户口本、结婚证、房权证、土地证(或复印件)、工商执照、税务登记证、收入证明、银行的资金流水、房屋的评估报告到银行申请抵押贷款,到房管部门办理抵押登记,到银行支取贷款!贷款所需资料:1.借款人的有效***、户口簿;2.婚姻状况证明,未婚的需**未婚证、已离婚的需出具法院民事调解书或离婚证(注明离异后未再婚);3.已婚需**配偶的有效***、户口簿及结婚证;4.借款人的收入证明(连续半年的工资收入证明或纳税凭证当地);5.房产的产权证;6.担保人(需要*****、户口本、结(未)婚证等)希望我的回答能帮助你。望采纳。

惷愁 07-06 08:25

1、把银行需要的资料备齐。包括夫妻双方身份证、户口簿、房产证、结婚证、购房合同或发票，个人账户最近半年的银行流水帐单。
2、银行会在贷款人提交资料以后进行相应的审查，如果资料有误或者不齐全，会要求贷款人重新提交。
3、审核通过以后贷款人将自己所抵押房产的产权证交给银行收押。
4、借贷双方签订住房抵押贷款合同并进行公证。
5、公证以后贷款就成功了，银行会开始向贷款人划款。而贷款人需每月按期向银行还款直至还清为止。

踩着西瓜皮不走寻常路 07-06 08:34

合肥市房产抵押贷款办理流程：1)准备资料、提出申请；(2)银行调查、审批；(3)签订贷款合同并公证 (4)办理抵押登记；(5)贷款发放；(6)按期还款；(7)注销抵押。

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谁来给我说下合肥房产抵押贷款流程有哪些？

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谁来给我说下合肥房产抵押贷款流程有哪些？