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房地产抵押贷款流程是怎样的？

房地产抵押贷款流程是怎样的？

浏览：53次 | 提问时间： 07-10 09:18

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违心狗 07-10 09:19

首先以房产抵押、以经营的企业(工商执照)为贷款人申请贷款。贷款人先到银行咨询抵押贷款事宜，再按照银行指定到评估公司申请评估，取得评估报告，之后贷款人夫妻双方带着身份证明、户口本、结婚证、房权证、土地证(或复印件)、工商执照、税务登记证、收入证明、银行的资金流水、房屋的评估报告到银行申请抵押贷款，到房管部门办理抵押登记，到银行支取贷款。

是否心酸 07-10 09:27

有以下几个步骤：
1.借款人向金融机构提出贷款用途、金额及年限时间。如果民间房产抵押贷款申请符合此金融机构的贷款范畴，接着就需要准备相应的资料。
2.准备房产抵押贷款资料，需要提供本人及配偶身份证、户口薄、收入证明、个人消费用途的相应合同、婚姻状况证明、房屋所有权证
.3.看房评估。提交以上材料后，房产抵押贷款银行会根据所提交的材料要对抵押的房产进行实地勘察、评估
4.报批贷款。将所有审贷资料还有评估报告或勘估意见书报送至银行进行审批
5.借款合同公证
6.抵押登记手续。银行凭房屋所有权证和借款合同公证书到查拳出办理抵押登记手续。
7.银行放款。
8.按期还款。
9.民间房产抵押贷款结清后办理注销手续。希望对您有所帮助吧。

青衫不改旧人还 07-10 09:36

房地产抵押贷款流程：
(1)借款人贷前咨询：填写居民住房抵押申请书，并提交银行下列证明材料：借示人所在单位出具的借款人固定经济收入证明;借款担保人的营业执照和法人证明等资信证明文件;借款人具有法律效力的身份证明;符合法律规定的有关住房所有权证件或本人有权支配住房的证明;抵押房产的估价报告书、鉴定书和保险单据;购建住房的合同、协议或其他证明文件;贷款银行要求提供的其他文件或材料。   　　
(2)银行对借款人的贷款申请、购房合同、协议及有关材料进行审查。   　　
(3)借款人将抵押房产的产权证书及保险单或有价证券交银行收押。   　　
(4)借贷双方担保人签订住房抵押贷款合同并进行公证。   　　
(5)贷款合同签订并经公证后，银行对借贷人的存款和贷款通过转帐方式划入购房合同或协议

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