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购买商品房贷款流程是什么有人知道不？

浏览：31次 | 提问时间： 07-10 08:21
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3个答案
青袂宛约 07-10 08:22

你好，贷款流程如下：
首先，请到银行了解相关情况。并办理相关带齐以上的资料申请个人住房贷款。 然后接受银行对您的审查，并确定贷款额度。 接下来就可以办理借款合同，且由银行代办保险。办理产权抵押登记和公证。 最后剩下的就是银行发放贷款，借贷人每月还款和还清本息后的注销登记。

希望我的回答可以帮助到你！

傻了就是傻了 07-10 08:30

办的公积金贷款,挺简单的,就是拿着购房正式合同、结婚证和夫妻双身份证到单位人力资源部公积金办公室,有专人告诉你该复印哪些东西,由工作人员替你联系银行。象我们上班族还款银行一般是工资代发银行。回家等候消息就行了!
一般付完首付签贷款
贷款所需材料：
1、身份证
2、户口本
3、结婚、离婚、单身证明 (其中之一)
4、社保或者纳税记录【一般是1年以上】
5、收入证明，一般收入证明要开到月还款的2倍以上。10000以上一般就要拉个税税单了。

价格来源网络，仅供参考！

你擦我擦蹦擦擦 07-10 08:38

银行贷款给你是以房子抵押为基础的。
首付必须你自己付，
你可以想办法借，如亲戚朋友。
没有首付的发票收据，以及网上备案的合同，你是不可能进行公积金贷款或商业贷款或组合贷款的。
一般首付3成，如果符合首套70/90(小面积)的政策，首付可以2成。
公积金贷款额度不能保证你够余下的房款，就用组合贷款(部分公积金，部分商贷)

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