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贷款买房退房流程有谁清楚？

贷款买房退房流程有谁清楚？

浏览：40次 | 提问时间： 07-10 08:43

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盲从与你 07-10 08:44

你好，目前，部分购房者对银行和开发商之间各自的关系存在误解或模糊的认识，有人认为按揭贷款是由于买房才申请的，现在不买房了，所以按揭贷款也不用还了；或者想着要退房了，干脆就停止了每月的还房款了。其实，买家与银行之间的借贷关系是独立于房屋买卖关系之外的，所以，解除购房合同并不同时解除贷款合同。购房者虽然退了房，但因为买家已经从银行借贷出款项用于购房，所以与银行间的债权债务关系仍然存在，在手续未完全办理清楚之前，房贷还是要按时还的。希望可以帮到你！

处心积虑▽ 07-10 08:53

1，期房是可以申请退房的，不过要具体根据退房的原因分清买卖双方的责任。
2，退房流程主要是购房者向开发商提出退房申请，说明退房原因。
3，如果是买方主动违反和约相关内容的，买方就要按照合同内容的相关赔付比例支付开发商违约金，如无详细约定比例，是可以参考我国合同法里指定的比例。
4，如果卖方违约的话，就要依照所签订的购房协议的相关约定追究开发商的责任和相应的赔偿。

你的脸袋能让你硬 07-10 09:01

贷款买房退房流程
1业主最好是在房产证办完之前办理退房手续，如果拿到房产证后装修房屋时或在其他情况下发生问题需要退房，通常需要一个较长时间的鉴定过程，然后走诉讼之路，拿到胜诉证明后办理退房手续，过程较复杂。
2当事人既约定违约金，又约定定金的，一方违约时，对方可以选择适用违约金或定金条款，不可同时适用。若是购房人的原因导致退房，开发商有权不退还定金;但若是开发商的责任，购房者可获得双倍赔偿。

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