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哪位了解买房付款流程是怎样的？

浏览：47次 | 提问时间： 07-13 05:46
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3个答案
凉城霂漓 07-13 05:47

首先签买卖合同,然后评估房子得评估价,和银行面签,等批贷,房产过户,见契税票10工作日后银行会放款到业主帐户.然后在做抵押登记.

需要 结婚证,户口本 身份正 配偶身份正 单位营业执照副本复印件加盖公章 收入证明 房产证
根据银行不同 需要提供工资流水

焚 07-13 05:56

(1)贷款申请并提交资料及贷款初审 ①借款人可到农行经办二手房贷款的机构领取《中国农业银行北京市分行二手房抵押贷款申请表》，也可网上直接下载，向农行提交贷款资料。 ②银行接到贷款申请后，由指定的律师事务所对申请人提供资料及所购房屋产权的真实性、合法性进行审查认证。 ③由银行认可的房地产评估机构对房屋进行评估。 ④银行根据评估结果及借款人还款能力确定贷款金额、期限，并出具《二手房抵押贷款承诺书》。
(2)借款人与售房人到房地产管理部门办理房屋过户手续。
(3)签订借款合同 借款人与银行签订《购房抵押贷款合同》一式四份，办理保险手续。
(4)抵押登记 借款人与银行(或委托代理人)到房地产管理部门办理抵押登记手续，获得他项权利证交银行留存。
(5)发放贷款 办理完抵押登记手续后办理放贷手续，银行将贷款划拨到售房人在银行开立的个人账户。

天不及海深 07-13 06:04

买房子的流程，双方达成协议，办理房屋过户事宜，流程：资格审核——网签——缴税——过户
付款方式：如果双方是朋友互相信任直接私下现金交易就可以。如果不认识或者找中介公司基本都是第三方资金监管。


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