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购房分期付款流程是什么？

购房分期付款流程是什么？

浏览：40次 | 提问时间： 07-10 08:16

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非要找 07-10 08:16

流程如下：
　　(1)选择房产
　　购房者如想获得楼宇按揭服务，在选择房产时应着重了解这方面的内容。购房者在广告中或通过销售人员的介绍得知一些项目可以办理按揭贷款时，还应进一步确认发展商开发建设的房产是否获得银行的支持，以保证按揭贷款的顺利取得。
　　(2)贷款申请
　　购房者在确认自己选择的房产得到银行按揭支持后，应向银行或银行指定的律师事务所了解银行关于购房者获得按揭贷款支持的规定，准备有关法律文件，填报《按揭贷款申请书》。
　　(3)签订购房合同
　　银行收到购房者递交的按揭申请有关法律文件，经审查确认购房者符合按揭贷款的条件后，发给购房者同意贷款通知或按揭贷款承诺书。购房者即可与发展商或其代理商签订《商品房预售、销售合同》。
　　(4)签订楼宇按揭合同
　　购房者在签订购房合同，并取得交纳房款的凭证后，持银行规定的有关法律文件与发展商和银行签订《楼宇按揭抵押贷款合同》明确按揭贷款数额、年期、利率、还款方式及其他权利义务。
　　(5)办理抵押登记、保险
　　购房者、发展商和银行持《楼宇按揭抵押贷款合同》及购房合同到房地产管理部门办理抵押登记备案手续。对期房，在竣工后应办理变更抵押登记。在通常情况下，由于按揭贷款期间相对较长，银行为防范贷款风险，要求购房者申请人寿、财产保险。购房者购买保险，应列明银行为第一受益人，在贷款履行期内不得中断保险，保险金额不得少于抵押物的总价值。在贷款本息还清之前，保险单交由银行执管。
　　(6)开立专门还款账户
　　购房者在签订《楼宇按揭抵押贷款合同》后，按合同约定，在银行指定的金融机构开立专门还款账户，并签订授权书，授权该机构从该账户中支付银行与按揭贷款合同有关的贷款本息和欠款。银行在确认购房者符合按揭贷款条件，履行《楼宇按揭抵押贷款合同》约定义务。并办理相关手续后，一次性将该贷款划入发展商在银行开设的银行监管账户，作为购房者的购房款阶段性担保的的个人住房贷款业务。

谁最动情谁完蛋 07-10 08:25

1.办房产证要准备身份证,户口本,结婚证(未婚不用),计划生育证,银行同意放贷文件和原业主签的买卖合同原件.
2.如果房产证要写夫妻两人的名字,配偶的身份证也要带上.一般买卖双方是由中介撮合,开始签的是由中介公司提供的合同,过户当天的办房产证用的买卖合同是由房产局提供空白合同.
3.身份证要复印件5份.买卖合同要复印件2份(多复印两份也不是很多钱).
4.在房管局签买卖合同,到国税和地税局交个人所得税(卖方),交易税,房契税,又回房管局过户登记.
5.一般买卖双方是在开始就说好谁交谁的税,或者可能是说好买方帮卖方交,也可能是说好卖方帮买方交.这个离不开价钱,他帮你交可以,你多给些房价一样的.

Hello¨ktty 07-10 08:33

购房分期付款流程是
1、买卖双方协商一致达成购房意向，并确定房屋成交价格。      　　
2、到二手房交易服务中心，网上签约窗口填写二手房交易信息表，签订网上房屋买卖电子合同;如果是通过有网上签约权限的中介公司成交的客户，可直接在中介公司签订网上房屋买卖电子合同。      　　
3、买方将购房款存入资金监管专户内(在二手房交易服务中心二楼签订的合同，直接在监管银行存款;如果是通过中介公司签订的合同，可以到二手房交易服务中心监管银行存款，也可以在市内任何一家银行通过转账方式存入资金监管账户)。      　　
4、买卖双方查询购房款到账后，携带登记相关资料到二手房交易服务中
心三楼政务大厅办理房屋权属转移登记手续，并缴纳相关税费，领取《房屋产权登记收件领证凭据》。      　　 5、在五个工作日内，完成房屋转移登记手续，客户凭《房屋产权登记收件领证凭据》领取房屋所有权证。      　
6、交易完成后，监管银行凭划转资金指令将监管资金划转至卖方指定的账户。
希望我的回答对您有所帮助

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