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急求买房申请贷款的流程是怎样的?_其他_设计456问答
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急求买房申请贷款的流程是怎样的?

浏览:39次 | 提问时间: 07-13 05:46
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4个答案
还记得我吗毕竟你离开很久 07-13 05:47

你好个地区的申请细节有所不同,比如石家庄的贷款流程:
1、石家庄商品房公积金贷款业务办理流程 职工申请——提供要件材料——公积金中心审核——职工与承办银行签订借款合同——办理贷款担保抵押——委贷银行向开发商发放公积金贷款   
2、石家庄二手房公积金贷款业务办理流程 职工申请——公积金中心审核——签订公积金贷款借款合同——办理房屋所有权过户——办理房屋他项权抵押——房屋他项权抵押至我中心名下——我中心通知委贷银行发放公积金贷款   
3、石家庄银行商贷转公积金贷款业务办理流程 职工申请——公积金中心审核——签订公积金贷款借款合同——自筹资金还清商贷余额——解除房屋他项权抵押——重新办理房屋他项权抵押——房屋他项权抵押至我中心名下——我中心通知委贷银行发放公积金贷款

薄碎纸许赠旧夏天 07-13 05:55

贷款买房流程:
第一步:借款人在办理贷款前,请查明所购楼宇是否有银行提供个人住房按揭贷款承诺书,然后,借款人申请个人住房按揭贷款,填写《贷款申请审批表》,将有关材料(付首期款证明、买卖合同、身份证、经济收入来源证明等原件、复印件)提交贷款银行
第二步:发 展 商:作为借款保证人在贷款申请审批表“保证人意见”栏上签字、盖章
第三步:贷 款 银 行:信贷员对借款申请人提交的全部资料、文件进行审查,逐级审批
第四步:贷款行领回办妥手续的材料并根据依法生效的借款合同发放贷款
第五步:国土局产权登记和公证部门:办理房产产权抵押登记手续
第六步:通知发展商领回借款合同并由发展商出具付清房款证明给贷款行
第七步:通知借款人领回借款合同、借据、保险单
第八步:贷款行信贷员将贷款档案归档
1、贷款批下来以后开发票,缴纳契税,契税是总房款的1.5%。
2、办理房产证之前要缴纳维修基金,可以上当地房产局打听一下。
3、房产证办理费用300左右。
4、进户费,你进户之前交的,如果没有补交面积款,一般在4000左右5、有些贷款银行或者公积金走的是担保公司,需要收取担保费,担保费

守不住心的空壳 07-13 06:04

贷款总额*贷款年限*0.8‰(仅限参考)

07-13 06:12

您好,买房贷款申请流程:   
1)借款人到单位交存住房公积金的住房资金管理(分)中心提出申请,介绍本人情况、领取材料。   
2)准备齐全的文字材料,交住房资金管理(分)中心审核,包括核验借款申请表、购房行为是否合法、核定贷款额度和期限、确定贷款担保方式等。需要评估的贷款,由指定评估机构进行评估。   
3)初审合格,住房资金管理中心开具调查通知单,由受托银行对借款人进行调查,并指导借款人填写有关贷款合同。调查内容包括:核实收入情况有保证的人,保证人是否具有保证资格等。   
4)经受托   银行调查合格,受托行出具调查意见递交住房资金管理(分)中心,由住房资金管理(分)中心审批。    5)审批通过,住房资金管理(分)中心签发委托贷款通知单。银行通知借款人办理放贷手续。   
6)借款合同生效,住房资金管理(分)中心将资金划入委托贷款基金账户,再由受托行将资金划入   开发商账户。 7)借款人按照规定的方式按时归还借款。   
8)借款人还清贷款本息,借款合同和有关担保解除,有关凭证返还借款人(抵押人或出质人)   住房公积金交存到中直、国管住房资金管理中心的,第一步要到交存银行提出申请,并按照有关手续办理。借款人也可以找有关的贷款代理机构,委托其帮助办理贷款手续,代理机构收取代办费用。在这种形式下,除了准备材料、合同签字和办理保险外,一般其他手续都可以委托代理机构办理。

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