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办按揭退房的流程是怎样的？

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办按揭退房的流程是怎样的？

浏览：43次 | 提问时间： 07-10 09:22

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3个答案

谁来过莪世界如友情客串 07-10 09:22

首先购房人通过挂号信、传真或电话向开发商发出退房通知。然后督促开发商在提出退房要求后15日内负责办理购房人与贷款银行解除或终止合同的全部手续， 再督促开发商将全部购房款返还给购房人，并办理停止向公积金管理机构或贷款银行还款的手续。 至此，消费者与银行解除借款合同，而在开发商退回全部房款后，购房人与开发商的买卖合同也意味着得以解除。 此外，在购房者办理按揭贷款时，银行一般都会要求买家为其购房上保险，保险受益人为贷款银行，所以最后一步就是解除借款合同后再办理保险退保手续等。
答案源自网络，仅供参考。

赌 07-10 09:31

1.拿备案合同，签好的购房合同由开发商去房产局备案，备过案后会给你一份。估计在一个星期左右会给你。
2.等银行电话或者短信通知你什么时候开始还款，有时候银行会忘记，过个半个月左右打电话去银行或者去售楼部问下你的带宽有没有放下来，如果放下来了，在咨询他们拟什么时候开始还款。一般银行都会通知，也不排除人别现象，注意跟踪。
3.以上步骤都办好了就没你什么事了，每个月准时在还款日之前把月供打进卡里就行了。

枉我深情不改 07-10 09:39

退房实际上是购房者作为购房合同一方当事人，行使其合同解除权的表现，因此肯定是可以的。购房者与贷款银行之间是一种借代关系，与开发商之间是一种房屋买卖关系，两者虽有关系，但完全是两种独立法律关系，所以对购房者的解约权并没有任何妨碍。
　　购房者向银行贷款与向亲戚朋友借钱，其性质是一样的。作为债权人，银行或其他机构，个人都只有权要求购房者按约还款，但无权干涉购房者的解约权利。
　　所以，只要出现了购房者有权依法解约的情形，不管购房者是否已经取得按揭贷款，都有权依法解除购房合同。

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