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衡水二手房贷款的流程是什么样的？

衡水二手房贷款的流程是什么样的？

浏览：54次 | 提问时间： 07-07 04:44

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3个答案

还以为所有的不甘心都会变 07-07 04:44

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。

入画 07-07 04:53

1、在选定理想的房源后,申请人可委托房屋中介机构办理贷款申请;也可直接向有关银行提出申请,递交相关申请资料;

2、经银行审批同意,经办行与借款人和保证人签订借款合同和担保合同,落实贷款条件,包括还款方式、贷款年限等;

3、银行按合同约定办理贷款发放和资金划付手续;

4、借款人按借款合同约定的还款方式定期偿还贷款本息;

5、在所有贷款结清后,即可办理抵押登记注销手续,拥有房屋的全部产权。

不是当初 07-07 05:01

1。买卖双方带上身份证户口婚姻证明关系产权证本人到场到银行或担保公司签定贷款合同;

2。等待审批，银行审批可以发放贷款以后，到房产交易中心办理过户手续;

3。1到3个工作日后领取新产权证，然后交担保公司或银行办理抵押登记;

4。办完抵押登记以后卖方等待银行放款。

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衡水二手房贷款的流程是什么样的？

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