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谁知道新乡二手房按揭贷款流程是什么?_其他_设计456问答
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谁知道新乡二手房按揭贷款流程是什么?

浏览:44次 | 提问时间: 07-06 08:16
分享到:
3个答案
他是我命深入骨髓 07-06 08:17

二手房按揭贷款的操作流出流程共分7步,具体流程如下:
1、银行征信调查(去人民银行查买方的征信情况);
2、房屋产权调查(调查房产是否抵押,查封,析产,继承,共有权人情况);
3、向卖方支付定金并预留房屋尾款;
4、房屋过户的同时银行审查贷款条件;
5、银行发放贷款到卖方账户;
6、双方共同去做物业交割(水、电、气、暖、物业费,原房主户口必须迁出);
7、向卖方支付尾款。希望我的回答对您有所帮助。

你要没药就别提醒我有病 07-06 08:25

1、   确定按揭服务公司和贷款方案
借款人在办理贷款前首先需要与中介确定按揭服务公司,并向按揭服务公司提出贷款咨询,确定贷款方案。
2、   查询公积金(如需公积金贷款)
与卖方确定购房意向后,借款人提供公积金帐号,由按揭服务公司进行公积金查询,确定可贷款的金额和贷款年限。
3、签定房屋买卖合同
借款人与卖方签定房屋买卖合同。
4、准备贷款资料,审核贷款资质
按揭服务公司协助借款人按照银行要求准备贷款资料,有的房屋需要由指定的评估公司进行房价评估;并且由按揭服务公司进行初步审核。
5、签贷款协议,公证,保险
按揭服务公司将初审后的贷款资料交贷款银行审核,通过后,按揭服务公司将安排借款人与银行签定贷款协议和办理协议公证,同时收取费用,包括房屋保险费等。
6、办理房屋过户和抵押手续
借款人到房屋所在区的交易中心办理房屋过户和抵押手续,并将抵押收件收据通过按揭服务公司交贷款银行。
7、办理房产证和抵押证明
贷款人的房产证和他项权利证明办出后,按揭服务公司将您的产证复印件和他项权利证明原件交银行。
8   、银行放款
银行在收到借款人的以上两证后,按揭服务公司将所贷金额发放给借款人。
希望我的回答可以帮助到您!

都是凉薄之人如何温暖他人 07-06 08:34

1、实地看房,信贷员、评估员以及民间机构、买卖双方都是需要到申请贷款房屋现场来进行相关的评估以及验证工作的,需要看所售房屋的产权是不是明细,有没有设定抵押权利,是否房产产权明晰等等,这些都是需要进行相关的评判的,只有断定所贷款房屋的产权比较的明确,符合贷款的条件才会进行接下来的一些步骤。 第2、进行产权的验证了,需要产权人以及共有权人到房管局进行房屋产权的验证工作,在到房管局进行查询之前,需要带着身份证原件、房产原件之后会领取一份转移严查证明,等待验证的结果就可以。
3、信贷员、买卖双方以及民间机构等需要到贷款银行签署合同,需要对校验客户资料原件仔细校验并监督客户进行填字,而所有的问题都审核情况之后,可以在相关人员的指示下进行合同的填写。
4、在二手房按揭贷款流程当中有一点是需要注意的,就是收取费用预审通过之后,客户还是需要交费的,会有相关的人员进行通知,完成这一步之后就可以进行产权的过户工作了,这个也是需要到房管局进行办理的,需要提供买卖双方身份证件、契税证明、房管局所出具商品房买卖合同以及房产证等。
5、这算是基本上完成了最初的贷款工作,之后需要收费进行盖章,相关单位会传真给银行放,而后也是会对资料进行归档,银行在收到相关的资料之后就会办理抵押手续,确定所有问题没有异议之外就会进行放款。

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