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广州按揭购房流程有谁熟悉?_其他_设计456问答
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广州按揭购房流程有谁熟悉?

浏览:51次 | 提问时间: 07-10 08:44
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3个答案
因爲在乎才会亂想 07-10 08:44

1、一手房按揭贷款

  买的是刚开发的新房子,需要以刚买的房产抵押,自己为贷款人申请按揭贷款。

  贷款手续需要:贷款人夫妻双方的身份证明、户口本、结婚证、房权证(买卖合同)、土地证(或复印件)、无房证明、单位收入证明、担保公司的担保证明。

  一般由开发商集体办理一手房按揭,比较简单。

 2、二手房按揭贷款

  买的是二手房,需要以刚买的房产抵押,自己为贷款人申请按揭贷款。

  贷款手续需要:买卖夫妻双方身份证明、户口本、结婚证、房权证、土地证(或复印件)、买卖合同、契税票、评估报告、买方夫妻收入证明和无房证明。

  申请办理按揭贷款时需要买卖双方到房管部门网签合同后就要到银行申请二手房按揭贷款,之后到房管部门办理过户手续、出证后办理抵押登记、到银行支取贷款。

A1伱不解释 07-10 08:53

广州按揭购房流程,一般来说银行的按揭流程是这样的:(1)将相关材料送到银行送审。(2)银行审批通过,出具《银行同意贷款通知书》(3)买卖双方到房管局“递件”(即向房管局申请房屋交易过户)(4)一般来说,,递件之后,买卖双方就俾“尾数”(不含银行贷款、首期的房屋交易金额)、中介公司的中介费。(5)问税、交税(6)完税后约10个工作日,出新房产证(7)出新房产证之后15个工作日,进行入押(抵押)(8)入押之后10个工作日左右出押,银行拿回房产证、他项权利证(9)出押之后1-3日,银行放款。
希望我的回答可以帮助到您。

半城繁華半城傷づ害怕你的离开 07-10 09:01

异地购房贷款条件
外地户口买房贷款需要提供1年以上当地纳税证明或社会保险缴纳证明,如果不能提供1年以上当地纳税证明或社会保险缴纳证明的非本地居民申请住房贷款的,贷款人按第二套(及以上)的差别化住房信贷政策执行,即首付和贷款利率可能提高。根据规定有限购令的城市外地户口买房需要提供在当地一年以上的社保证明或者纳税证明才可以买房的。如果是非限购城市,外地户口异地买房只需要提供买卖夫妻双方身份证、户口本(户口外地提供户籍证明),结婚证(单身提供单身证明);买方另外提供经济收入证明,近三个月工资明细,一寸照片(买方夫妻双方各一张)等资料。
异地贷款需满足以下一定的条件:
一、有合法的身份;
二、有稳定的经济收入,信用良好,有偿还贷款本息的能力;
三、有合法有效的购买、建造、大修住房的合同、协议以及贷款行要求提供的其他证明文件;
四、有所购(建造、大修)住房全部价款20%以上的自筹资金,并保证用于支付所购(建造、大修)住房的首付款;
五、有贷款行认可的资产进行抵押或质押,或(和)有足够代偿能力的法人、其他经济组织或自然人作为保证人;
六、贷款行规定的其他条件。
借款人申请个人住房贷款应向贷款行提交下列资料:
一、身份证件(居民身份证、户口本、居留证件或其他身份证件);
二、借款人偿还能力证明材料;
三、合法的购(建造、大修)房合同、协议或(和)其他批准文件;
四、抵押物和质押权利清单、权属证明文件,有处分权人出具的同意抵押或质押的证明,贷款行认可的评估机构出具的抵押物估价报告书;
五、保证人出具的同意提供担保的书面承诺及保证人的资信证明;
六、借款人用于购买(建造、大修)住房的自筹资金的有关证明;
七、借款行规定的其他文件和资料。

保障