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请问深圳二手房贷款流程是怎么样的？

请问深圳二手房贷款流程是怎么样的？

浏览：39次 | 提问时间： 07-07 04:27

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爱过就好 07-07 04:28

您好，深圳二手房贷款流程：
第一步，专员帮助您了解个人消费的各项流程，一旦确定消费意向，按揭专员可以为您快速确认贷款资格，您即可决定是否正式提交贷款申请并获悉具体文件要求。
第二步，银行在审批通过后准备抵押贷款合同，同时安排合同公证、个人评估、产权登记等事宜。
第三步，见证签约并办理预告登记和抵押登记。
第四步，银行根据抵押贷款合同和客户指示发放贷款，并安排相关物业保险事宜。

忘黎花落语樱尘 07-07 04:36

深圳二手房贷款流程：
1、收取贷款银行所需的买方和卖方的相关资料；
　　2、协助贷款人(买方)签订银行贷款文本、交银行初审；
　　3、协助买卖双方办理交易过户；
　　4、买方领取新产权证后将产权证原件、买卖契约原件、契税单原件、老土地证原件交给担保公司；
　　5、买方新产权证出件以后，担保公司将贷款文本及买方房产资料送交贷款银行和公积金中心审批；
　　6、银行审批完毕后，凭房屋置业担保公司出具的《担保函》为客户发放贷款；
　　7、贷款到达房屋置业担保公司账户后，通知买卖双方到场签字、卖方领取房款；
　　8、房屋置业担保公司代买方办理土地证和房屋抵押手续。将房产证、土地证交买方，将房屋他项权证交银行。
您参考一下，希望我的回答能帮到你。

虬根百曲 07-07 04:44

二手房交易的整个过程当中，过户是个很重要的步骤，但是确定交易房屋的合法性又是重中之重，其大致分以下几个阶段: 建议购买人明确自己的购买需求，选择一家信誉良好的大型房地产中介公司代理选房。选中房屋后，了解房屋情况。买方按约定日期将首期房款和房主一起到先定银行做资金监管，同时申请贷款，银行所规定的所有材料您都准备好了，这时，银行会作初步审查，如果银行同意您的贷款，会让您签署相关文件，然后会告诉您，他们需要一个内部审批的过程，在他们内部审批的同时，一般来讲，银行信贷部初步审查通过，最终审批通过率是极高的。待银行出贷款承诺函，就说明贷款已经审批通过。申请过户。买卖双方共同向房地产交易管理部门提出申请,管理部门要查验有关证件,审查产权,对符合上市条件的房屋准予办理过户手续。如果存在无产权或部分产权未得到其他产权共有人书面同意的情况,则拒绝申请。付清所有房款,卖方交付房屋并结清所有物业费后双方的二手房屋买卖合同全部履行完毕。望采纳。

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