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建行房产证抵押贷款办理流程是怎样？

建行房产证抵押贷款办理流程是怎样？

浏览：74次 | 提问时间： 07-10 09:11

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有你有我有她 07-10 09:11

建行房屋抵押贷款办理流程：
　　1、抵押物：借款人本人或第三人自有产权房屋，已具备“房产证”。

　　2、抵押流程：
　　(1) 持房产证到产权房屋所在区县房地局询问该房产是滞可以办理房产抵押登记；
　　(2) 如得到可以办理的确切答复，请“房产证”及有关个人资料到建行个人综合消费贷款经办机构办理抵押贷款申请；
　　(3) 建行指定房产评估机构对申请人提供有自有房产进行评估，并提交房产评估报告，按评估价值的3‰ 收取手续费；
　　(4) 建行协助申请人办理房产保险手续及相应的贷款审批手续，贷款额度最高不超过评估价值的70%，并与审批同意发放贷款合同及抵押合同；
　　(5) 借款人持房产证、借款合同到房产所在区县房地局办理抵押登记手续，机关费用由借款人承担；
　　(6) 抵押登记办妥后，建行方可发放贷款至借款人个人储蓄帐号中。

荔枝歌不会等太久 07-10 09:20

一、贷款人所具备的条件：
1、具有完全民事行为能力的自然人，在贷款到期日时的实际年龄一般不超过65周岁；
2、有常住户口，有固定的住所；
3、有正当职业和稳定的收入来源，具备按期偿还贷款本息的能力；
4、愿意并能够提供贷款人认可的房产抵押；
5、房产共有人认可其有关借款及担保行为，并愿意承担相关法律责任。
二、所抵押房产的条件：
1、房屋的产权要明晰，符合国家规定的上市交易的条件，可进入房地产市场流通，未做任何其他抵押；
2、房龄(从房屋竣工日起计算)+贷款年限不超过40年；
3、所抵押房屋未列入当地城市改造拆迁规划，并有房产部门、土地管理部门核发的房产证和土地证；
4、抵押物所有人可以是借款人本人或他人。以他人所有的房产做抵押的，抵押人必须出具同意借款人以其房产作为抵押申请贷款的书面承诺，并要求抵押人及其配偶或其他房产共有权人签字。
三、贷款人需提交的材料：
1、身份证、户口本；个人收入证明(加盖单位公章)；
2、所在单位营业执照复印件(加盖公章)；
3、结婚证；借款人配偶身份证、户口簿；
4、房屋所有权证、原购房协议正本和复印件；
5、房屋所有人及共有权人同意抵押的公证书及贷款用途证明。
四、办理流程：
1、到银行了解相关情况，并带齐以上资料；
2、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；
3、借款人与贷款人必须共同到场，共同签署抵押借款合同；请在签字之前，仔细阅读合同中的每一个条款，不要漏过任何一个细节；
4、接受银行对您的审查，并确定贷款额度；
5、银行发放贷款，借贷人每月还款和还清本息后的注销登记。

可有可无的存在真可笑 07-10 09:28

可以让你父亲去贷，也可以让你父亲把房产证拿着，两个人去公证处公证给你。
借款人所具备的条件：有产权房、有稳定收入及有完全民事行为能力的自然人(借款人可以为外地户口);
借款人年龄为18-65周岁(抵押人年龄超过65周岁须委托他人做为借款人申请贷款)。
提供资料：夫妻双方身份证、户口本、结婚证、收入证明; 抵押房房产证(如成本价房产提供原始购房合同)。
抵押房产类型：商品房、成本价房、经济适用房、公寓、别墅、底商、写字楼、商铺。
具体流程：收客户材料(收定金)→家访、评估、→定贷款额→报行→到银行签合同→审批→做抵押登记→客户到我公司领款 5、贷款年限：抵押贷款1-30年。

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