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二套房贷款流程是什么样的？

二套房贷款流程是什么样的？

浏览：36次 | 提问时间： 07-10 08:45

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3个答案

渐变 07-10 08:46

第二套房屋贷款本质上与第一套贷款类似，差别只是贷款成数及贷款利率；其流程与第一套房贷是一样的，大致分为六步。

第一步，签买卖合同；交易双方签署北京市二手房买卖合同。

第二步，面签；买卖双方到场与银行签署《个人住房贷款合同》，提供身份证、户口本等身份证明、收入证明、营业执照副本复印件加公章等资料。当天可完成。

第三步，初审；银行对客户贷款资料进行审核，初审一般需要3-5个工作日。

第四步，过户；经纪公司权证专员陪同客户办理过户手续，时间由各区房地局决定，比

第五步，抵押，取得新房产证后，买方把房本及银行的抵押资料送至房地局进行抵押；时效根据各区房地局抵押时间及抵押单量不等，由于交易量大，目前抵押需要排号；实际时间可能长于30个工作日。

第六步；客户还款；做完抵押后，客户可以拿到新房产证，并开始按月还款，交易完结。

不需要对谁好了 07-10 08:54

于目前银行贷款政策比较紧，多地银行出现停滞房贷现象，更多的购房者会关系银行房贷政策的变化，尤其是购买第二套房的，第二套房贷款政策本来就紧，多地银行停贷，第二套房贷款就更不好申请了，那么到现在第二套房贷款政策有变化吗?最新第二套房贷款政策是什么呢? 第二套房贷款政策：首先构成二套房的，贷款人应对借款人执行第二套(及以上)差别化住房信贷政策。具体来说，第二套房贷款政策是：对贷款购买第二套住房的家庭，首付款比例不低于70%，贷款利率不低于基准利率的1.1倍。人民银行各分支机构可根据当地人民政府新建住房价格控制目标和政策要求，在国家统一信贷政策的基础上，提高第二套房贷款的首付款比例和利率。以上就是对“最新第二套房贷款政策是什么”所做的详细介绍。由于目前的房价不断上涨，国家在不断出台各项政策抑制购房需求，再加上银行信贷政策的收紧导致第二套房在贷款方面的难度增加。

花恋叶叶属根 07-10 09:03

二套房贷款流程如下：
　　⑴   购房人与售房人签订房屋买卖协议或房屋买卖合同；
　　⑵   符合条件的购房人向贷款银行提出借款申请，并提供有关证明材料；
　　⑶   买卖双方到贷款银行指定(认可)的评估机构进行房屋评估；
　　⑷   律师事务所对借款人的资信证明材料和评估报告进行鉴证、调查、分析，出具《法律意见书》；
　　⑸   贷款银行进行审批，通知借款申请人是否同意贷款；
　　⑹   买卖双方办理产权过户手续，过户后，借款人到银行办理贷款手续；
　　⑺   购房人与贷款银行签订二手房抵押贷借款合同；
　　⑻   买卖双方将过户后的房屋所有权证送交贷款银行办理抵押登记手续；
　　⑼   借款合同生效后，贷款银行根据借款合同划付资金；
　　⑽   借款人按月还款；
　　⑾   借款人还清贷款本息，解除抵押担保。

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