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请问房租抵押贷款流程哪位知道？

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请问房租抵押贷款流程哪位知道？

浏览：45次 | 提问时间： 07-10 08:15

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3个答案

拥抱太阳 07-10 08:16

房租抵押贷款流程：
1、申请人准备资料向银行申请贷款。   　　
2、银行受理。   　　
3、评估公司对房产(抵押物)进行评估。   　　
4、银行根据客户提供的资料及评估报告取证审批。   　　
5、银行审批通过后，办理房产抵押。   　　
6、银行取得他项权利证后进行放款。   　　
7、银行贷后管理。
希望我的回答可以帮助到您。

蛇蝎心肠 07-10 08:24

1、首先贷款申请人需要向银行相关登记部门提出房屋抵押贷款申请，并递交相关证明资料，如必须提高身份证件、户口本、居住地证明及婚姻证明等相关材料。 2、相关房屋评估部门将对房子进行估价评估，以确定可信贷款的额度。届时需要贷款申请人提供房屋产权证以及相关资产状况证明。如果 3、抵押贷款申请人以他人房产作抵押，则需要提供房产权属人身份证、婚姻状况证明以及同意抵押的书面证明。 4、经过对房屋评估之后，如果符合相关规定和要求时，银行将出面与贷款申请人签署抵押合同，并办理抵押登记手续。 5、抵押登陆手续办理完成后，银行将正式发放贷款，抵押贷款人将按抵押合同定期归还贷款本息。(希望能帮到你！望采纳！)

花环 07-10 08:33

1、备齐资料，包括夫妻双方身份证、户口本、结婚证、房产证、购房合同或发票、个人账户最近半年的银行流水对账单。
2、银行对借款人的贷款申请、购房合同、协议及有关材料进行审查。
3、借款人将抵押房产的产权证书及保险单或有价证券交银行收押。
4、借贷双方担保人签订住房抵押贷款合同并进行公证。
5、贷款合同签订并经公证后，银行对借贷人的存款和贷款通过转帐方式划入购房合同或协议指定的售房单位或建房单位。

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