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房产按揭贷款流程

浏览：63次 | 提问时间： 07-13 09:39
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6个答案
日子过的太慢 07-13 09:40

房产按揭贷款首先需要保证你个人的征信度是良好的，其次需要准备身份证、户口本、结婚证、房产证、收入证明、流水，然后向相关的银行申请一下就好了。但是在房产按揭贷款的时候，建议选择的年限不要太长，因为这样的话，后期需要支付的利息是比较多的，而且很容易贷不下来的哈，建议你最好是咨询一下当地的相关工作人员，他们度这方面是更加了解的。

囚徒 07-13 09:48

房产按揭贷款的流程还是比较繁琐的，首先你需要准备好身份证，结婚证，房产证，银行流水单等相关证件，然后到银行去填写申请表，并且把自己的材料提交给银行工作人员之后，工作人员会进行审核的，只要你个人征信良好的情况下都会给予你贷款的。现在可以贷款的方式有两种，一种是使用住房公积金贷款，另外一种是使用商业贷款，一般公积金贷款的话会比商业贷款要好，但是没有公积金的话也是可以选择商业贷款的。

不懂我就不要说我变了 07-13 09:57

房产按揭贷款流程不算复杂，大概分为三个步骤办理就可以了。第一，签订好购房合同以后，带上相关资料去当地银行填写贷款申请单，
同时上交相关的资料，第二，大概在7个工作日左右的时间，银行工作人员会对你个人资质进行审核的，之后会打电话通知你过去签署贷款合同，第三，贷款合同签署好以后，银行会对合同再次进行审核，大概三个工作日左右的时间，银行就会将贷款打到你名下的。

逾期不候 07-13 10:05

我觉得房产按揭贷款的流程还是比较简单的。首先我们需要签订好购房合同以后，带上相关资料去当地银行填写贷款申请单，同时上交相关的资料。然后大概在7个工作日左右的时间，银行工作人员会对你个人资质进行审核的，之后会打电话通知你过去签署贷款合同，最后贷款合同签署好以后，银行会对合同再次进行审核，审核通过之后，银行就会将贷款打到你名下的。

左手记忆右手年华 07-13 10:13

如果你现在想要进行房产按揭贷款的话，流程还是比较简单的，你首先需要看一下自己是否符合条件，如果你符合银行贷款条件的话，你就可以去银行填一个申请表，然后把需要的资料以及证件准备好，之后把这些资料交给银行，等他们审核，如果审核通过的话，你就可以去银行和他们签订贷款合同，之后你就可以等贷款批下来了。我觉得这一个贷款的流程还是比较方便的，而且所花费的时间并不是十分的长。

Angelsk 07-13 10:22

想要贷款的话，在向银行提交申请的时候，是要有这个房子的贷款合同的，所以说在这之前，你需要先跟房子的卖家进行签约，然后要先给一部分定金，首付款的话可以等到银行申请批准之后再给，这样的话万一审批不通过，也不会有什么损失。一般情况下审核结果会在三天之内告诉你，通过的话会跟你签贷款合同，然后你把首付给了。之后就可以去过户了，然后等贷款下来把全款给清拿到房子之后，再按照合同规定每月按时还钱。

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