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住房装修贷款流程是怎样的?_其他_设计456问答
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住房装修贷款流程是怎样的?

浏览:36次 | 提问时间: 07-10 09:11
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3个答案
年少初时 07-10 09:11

流程如下:1、借款申请人向银行提出借款申请时需填写《个人住房装饰借款申请书》。同时向银行交验有关证明和资料; 2、银行对借款人交验的有关证明和资料的真实性、合法性及资信程度审查认可后,承诺贷款。借款申请人据此与装饰公司或装饰产品销售商签订装饰工程合同或装饰产品订货合同,并将合同正本提交银行。 3、借贷双方签订《个人住房装饰借款合同》和相应的担保合同。以住房作抵押的借款人应办理《个人住房抵押合同》的公证,抵押住房保险和房地产抵押登记手续。 4、本行办妥借款担保手续或收押《房地产其他权利证明》后办理放款手续; 5、银行受借款人委托,按借款合同约定的时间,以支付装饰用款名义将贷款资金以转账方式划至装潢公司或销售装饰产品单位在银行开立账户。 条件如下:1、具有本市城镇常住户口或有效居留身份;2、具有稳定的职业和经济收入,信用良好,有偿还贷款本息的能力;3、具有购买住房行为或拥有自有住房;4、持有装饰工程或购买装饰产品合同;5、有银行认可的作为抵(质)押的资产,或有具备足够代偿能力的单位或个人作为承担连带责任的保证人;6、愿意接受银行提出的其他合理要求。

上课翘二郎腿的女神 07-10 09:19

申请条件
  (一)具有城镇常住户口或有效居留身份;
  (二)具有房产权证明或由屋房屋产权单位出具的借款人拥有该房屋使用权的证明;如果你要装修的房子产权是你自己的就要有产权证,如果是单位的房子就需要由单位出你有使用权的证明。
  (三)具有稳定的职业和收入,信用良好,有按期偿还贷款本息的能力。
  申请资料
  (一)合法的身份证件(居民身份证、户口本或其他有效居留证件)原件及复印件;
  (二)有借款人姓名的房屋产权证明或房屋使用权证明;
  (三)由单位开的经济收入证明;
  (四)住房装修工程施工合同;
  (五)如果是抵押贷款,需有抵押物产权证明、质物清单、有处分权人同意抵押或质押的证明文件和抵押物估价报告;
  (六)保证人同意提供担保的书面文件及保证人的资信证明。

愛你讓我情以何堪 07-10 09:28

住房装修贷款流程:
1、由住房资金管理中心对申请人提交的材料进行初步审核,合格后开具《抵押物审核评估通知单》。
2、申请人持《抵押物审核评估通知单》到指定地方对所购买的房屋价值进行评估。
3、申请人持《评估报告》及初审材料到中心进行贷款审核,合格后开具《住房资金管理中心担保委托贷款调查通知单》。
4、办理担保手续并签订借款合同。
5、住房资金管理中心与受托行签订委托贷款协议。
6、借款人直接向住房资金管理中心提出贷款申请。
7、住房资金管理中心对每笔贷款金额、期限、利率审批同意后,与受托行签订委托贷款合同。
8、受托行按照委托贷款合同约定,与借款人分别签订《住房公积金委托贷款抵押合同》、《住房公积金委托贷款质押合同》和《住房公积金委托贷款保证合同》后,办理借款手续。
9、受托行将贷款直接划入售房方在受托行开立的指定帐户。

保障