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按揭房再贷款流程

浏览：54次 | 提问时间： 07-13 09:35
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6个答案
没畏惧 07-13 09:36

现在按揭房是可以再办理贷款的，有很多银行都开推行这种业务，办理的人还是非常多的，还是挺受大家欢迎的。办理再贷款的流程不是特别复杂，就是需要准备的材料会比较多。申请人需要先准备身份证、户口本、结婚证明、收入证明、贷款用途、房子的相关证据等材料去银行那边提出书面申请，然后买卖双方在银行开户，后期要进行调查和审核，通过之后可以可以签订借款合同。

天真无鞋 07-13 09:44

按揭购买的房子想要在申请贷款的话，那就只能够申请抵押贷款了，你需要准备相关的资料，去当地银行填写申请单的，然后银行工作人员会对你个人资质进行审核，大概需要7天左右的时间，
之后就会通知你过去签署贷款合同的。但是如果你个人资质较差的话，银行是有可能会拒绝你的申请的，说实话，押贷款的审核流程还是比较严格的，同时房贷申请的额度也是受到限制的。

谁也不是谁的谁 07-13 09:52

要说按揭房再一次贷款的流程呢，其实是比较麻烦的，又要写申请，又要填表格，还要出各种各样的证明等等，而且后期还款不是特别流畅的话也很麻烦，所以但凡有一些其他的方式，我建议不要这么做。首先你得保证这个房子确实已经到你手里了，然后所有的证件都很齐全，在你选择二次贷款的时候还得去开一份房产证的证明，因为房产证不在你自己手里，并且还得向银行那边提出申请，填各种各样的表格。

指尖笑 07-13 10:01

最近几年银行推出了一个新的业务，就是按揭房可以再次申请贷款。具体的流程是借款人必须要提出贷款书面申请并且提供个人身份证，户口本，婚姻证明等等一些资料，除了这些个人资料之外还要带上按揭房的贷款合同以及购房合同。经过银行审查与核实之后，双方可以签订一份划款扣款授权书，然后申请人跟银行办理房屋过户，抵押，公证以及其他的一些登记手续。

怪你把诺言当戏言 07-13 10:09

按揭房想要再次进行贷款的话，你依然是要去当地的银行进行贷款申请的，也是需要准备相关的证件，比如本人的身份证、户口本、结婚证等等。买卖双方需要在银行那边新开一个账户，以后还款的时候都是要通过这个账户来进行。你的个人信用一定要非常得好，信用卡有过逾期现象的朋友要注意了，以后想要在银行贷款的话可能就是比较困难的。

爱无罪 07-13 10:17

按揭房是可以在办理贷款手续的就是流程比较复杂，首先我们在申请贷款之前，要准备房子的买卖合同，按揭合同，申请人的身份证，户口本，婚姻证明，然后到银行填写贷款申请表，银行会根据我们提交的资料进行审核，审核通过话银行就会把钱打给我们。需要的资料还是比较多的呢，所以我们要提前准备好，这样办下来的速度才会比较快。


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