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房贷提前流程哪位朋友熟悉？

房贷提前流程哪位朋友熟悉？

浏览：35次 | 提问时间： 07-10 09:24

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3个答案

扶你眉间 07-10 09:25

一、个人住房组合贷款指以住房公积金存款和信贷资金为来源向同一借款人发放的用于购买自用普通住房的贷款，是个人住房委托贷款和白营贷款的组合。此外，还有住房储蓄贷款和按揭贷款等。

　　二、个人住房委托贷款指银行根据住房公积金管理部门的委托，以住房公积金存款为资金来源，按规定的要求向购买普通住房的个人发放的贷款。也称公积金贷款。

　　三、个人住房自营贷款是以银行信贷资金为来源向购房者个人发放的贷款。也称商业

　　个人住房贷款，各银行的贷款名称也不一样，建设银行称为个人住房贷款，工商银行和农业银行称为个人住房担保贷款

寒枝栖 07-10 09:33

你好，先申请----一般一个月以后(各个银行规定不一样)---还房款-------等待通知---取回产权证，至于申请后多久才可以还，要看贷款的银行，你可以上网查一下，你贷款的那个银行怎么规定的。
希望我的回答对你有帮助

你碳酸饮料喝多了吧 07-10 09:42

一：先看贷款合同中有关提前还贷的条例。看合同时要注意提前还贷是否须交一定的违约金。

二：向贷款银行电话咨询办理提前还贷部门的地点、电话及办理提前还贷所需要的条件。

三：按照咨询到的电话打电话或亲自到相关部门提出提前还款申请。

四：借款人携相关证件亲自前往借款银行，填写《提前还款申请表》。

五：提交《提前还款申请表》并在柜台存入提前还款的金额。

这个还贷流程是个基本指导思路，具体到各个支行提前还贷手续可能会有部分差别，大家还是要咨询贷款银行具体提前还贷手续，以免来回折腾，白费时间。

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