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按揭买房手续流程有朋友了解吗？

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按揭买房手续流程有朋友了解吗？

浏览：56次 | 提问时间： 07-10 09:11

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3个答案

阿颓 07-10 09:11

挺简单的,就是拿着购房正式合同、结婚证和夫妻双身份证到单位人力资源部公积金办公室,有专人告诉你该复印哪些东西,由工作人员替你联系银行。象我们上班族还款银行一般是工资代发银行。回家等候消息就行了。

逆光之处是暖伤 07-10 09:20

一、按揭贷款买房需要的资料有以下：
1.户口本；
2.身份证 ；
3.收入证明(贷款银行提供的制式范本) ，工资卡或收入银行卡的流水账单要有银行盖章；
4.结婚证(单身的不需要)；
6.首套房证明(到买卖房产的所在区县房产交易中心开具)，个人二套房的不需要；
7.个人征信证明；
8.如是非本地户口需要临时居住证或暂住证。
二、个人住房按揭贷款，是指银行向借款人发放的用于购买自用新建住房的贷款，即通常所说的"个人住房按揭贷款"。银行发放的个人住房按揭贷款数额，不高于房地产评估机构评估的拟购买住房的价值或实际购房费用总额的80%(以二者低者为准)。

妳不曾挽昔 07-10 09:28

首先，请到银行了解相关情况。并办理相关带齐以上的资料申请个人住房贷款。 然后接受银行对您的审查，并确定贷款额度。 接下来就可以办理借款合同，且由银行代办保险。办理产权抵押登记和公证。 最后剩下的就是银行发放贷款，借贷人每月还款和还清本息后的注销登记。 经过以上手续及流程，您就可以通过按揭得到新房子了。

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