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办住房贷款流程有什么?_其他_设计456问答
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办住房贷款流程有什么?

浏览:51次 | 提问时间: 07-10 08:15
分享到:
3个答案
念我否 07-10 08:16

个人住房贷款的申请条件:
1、在中国境内有固定住所、有当地城镇常住户口、具有完全民事行为能力的中国公民;
2、有正当且有稳定经济收入的良好职业,具有按期偿还贷款本息的能力;
3、遵纪守法,没有违法行为及不良信用记录;
4、在国家信用记录上没有不良记录;
5、银行规定的其他条件。

个人住房贷款的办理流程:
1、签定认购书:客户与已和银行签约的房地产开发公司签定认购书,并向房地产开发公司交纳首期购房款;
2、办理申请:客户到银行委托的律师事务所办理按揭申请手续,包括交验个人资料、交纳各项费用、填写法律文件;
3、货款审查:律师事务所对客户申请进行初审,之后由银行进行审批;若审查不合格,退回客户资料和所收取的费用;
4、其他法律手续:律师事务所代办保险、公证及抵押物的抵押登记、备案;
5、贷款的发放:银行将贷款款项划至发展商帐户,并通知客户开始供楼。

来年再见 07-10 08:25

1、具有有效的身份证明;
2、只有参加住房公积金制度的职工才有资格申请住房公积金贷款,没有参加住房公积金制度的职工就不能申请住房公积金贷款。
3、参加住房公积金制度者要申请住房公积金个人房屋贷款还必须符合以下条件:即申请贷款前连续缴存住房公积金的时间不少于六个月。因为,如果职工缴存住房公积金的行为不正常,时断时续,说明其收入不稳定,发放买房贷款后容易产生风险。
4、配偶一方申请了住房公积金贷款,在其未还清贷款本息之前,配偶双方均不能再获得住房公积金贷款。因为,住房公积金贷款是满足职工家庭住房基本需求时提供的金融支持,是一种"住房保障型"的金融支持。
5、贷款申请人在提出公积金购房贷款申请时,除必须具有较稳定的经济收入和偿还贷款的能力外,没有尚未还清的数额较大、可能影响住房公积金贷款偿还能力的其他债务。当职工有其他债务缠身时,再给予住房公积金贷款,风险就很大,违背了住房公积金安全运作的原则。
希望我的回答对你有帮助!

陪你一段路 07-10 08:33

一、初审:由住房资金管理中心对申请人提交的材料进行初步审查,包括申请人资格、贷款额度、贷款限,初审合格以后,由中心出具《抵押物审核评估通知单》。
二、评估:申请人持《抵押物审核评估通知单》到中心指定的评估机构,对所购买的房屋价值进行评估经济适用房不需要评估。
三、审核:申请人持评估机构出具的《评估报告》以及中心要求的初审材料到中心进行贷款审核。如格,中心开具《市住房资金管理中心担保委托贷款调查通知单》。
四、办理担保手续:申请人持《市住房资金管理中心担保委托贷款调查通知单》,按照自己选择的担保式办理担保手续。如果选择抵押+保证的方式,保证人应该出具书面的担保函;如果选择抵押+保险或第三人证的方式,应该到保险公司投保或到担保机构办理委托担保手续。
五、签订借款合同。那里的楼盘合适要看你自己的具体要求了。
六、申请条件:住房公积金贷款的前提条件是,城镇职工个人与所在单位必须连续缴纳住房公积金满年。

保障