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按揭有房产贷款流程是怎样的？

按揭有房产贷款流程是怎样的？

浏览：39次 | 提问时间： 07-07 04:24

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逐梦少女 07-07 04:25

第一步，项目销售组与购房人签订购房合同，根据合同要求，付清所需首付房款；

第二步，自签订商品房买卖合同之日起5日内，向房产交易中心市场所申请合同备案登记；

第三步，自首付款付清之日起七日内购房人提供符合按揭银行要求的资料，直接向公司合作银行提出申请。具体包括：房屋买卖合同(备案登记)、房款收据、身份证、婚姻证明、收入证明及银行认为需要提供的其他资料；

第四步，贷款行对购房户的各方面情况及手续进行调查、审查，与符合基本条件的购房人(包括购房人之妻)办理初步手续，具体包括借款申请书、共同还款声明、承诺、谈话笔录、借款合同、借据等;随后购房人在贷款行开立存款账户或银行卡，银行报上级行进行审批；

第五步，申请审批期限一般为7日内。对超过该期限的，营销部及时与银行对接、了解情况、解决问题，积极协助购房人办妥贷款，及时与按揭银行签订阶段担保手续。
希望我的回答能够帮助到您。

ω干枯沙漠花一朵 07-07 04:33

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。

用Style淡漠一切 07-07 04:42

1)借款人到贷款银行办理借款申请。
　　2)贷款银行审核合格后出具贷款意向书，借款人领取贷款所需的表格。
　　3)借款人凭贷款意向书与售、建单位签订购建房合同或协议。
　　4)借款人与贷款银行签订抵押合同，将自筹资金存入贷款银行。
　　5)借款人办理担保手续：用房产抵押的借款人到产权部门办理“房屋他项权证”和“房地产抵押确认书”。用有价证券质押的，将有价证券交贷款银行收押，签订借款合同。
　　6)用于购房的贷款，由贷款银行将贷款连同借款人存款一并划转到售房单位账户，用于建修房的贷款，借款人按借款合同支付。

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