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买房银行贷款流程

浏览：32次 | 提问时间： 07-13 09:39
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6个答案
情何以堪 07-13 09:40

大部分地区买房银行贷款的流程都是一样的，首先需要提供一下您个人的征信报告，还有所需要的资料，比如：身份证、户口本、房产证、结婚证、银行流水、收入证明，等等。接下来就可以向银行申请贷款了，如果到时候申请成功会有相关的工作人员打电话给你联系的，其实我个人是比较建议，您使用公积金贷款，因为公积金贷款申请成功的几率比较大，而且后期需要支付的利息会相对少一点的。

恰好你是光 07-13 09:48

在签购房合同以后，申请人就可以带上资料去当地银行填写房贷申请单了，同时上缴相关的资料，大概7个工作日的时间，工作人员会对商家的资料进行审核的，如果符合贷款要求的话，银行会打电话通知你过去签署贷款合同的，但是如果不符合贷款要求的话，拒绝你的贷款申请，会以书面形式通知你的。说实话，我国现在房贷审核要求是很严格的，同时房贷申请额度也是受到限制的。

凉汐 07-13 09:56

虽然说每个银行对于贷款的利率和利息是有一定差别的，不过对于贷款的流程却是差不多的。首先你要再拿到正式的购房合同之后才可以申请填写贷款表格，在我们去银行申请贷款的时候，必须要把个人的资料全部带上。我们在填写表格的时候，千万不要把信息虚假话，一定要按照实际的情况去填写，因为后期银行也是会审核的，如果我发现你个人填写的信息有误的话，那么将会拒绝你申请贷款的条件。在表格填写好之后我们可以把资料交给工作人员，然后回去等待签订合同的消息。

永失你 07-13 10:05

买房的时候银行的贷款流程还是比较简单的，首先就是在准备买房之前先看房，找到合适的房源之后，签订认购书，然后再支付一定的订金。那么基本上这个房子就是确定下来要购买的，然后，买卖双方签订了相关的购房合同。你就可以拿着这个合同去当地的银行办理贷款了，除了合同之外，你还要准备相关的材料。如果银行对你的贷款申请审核通过了的话，就可以拿到银行的贷款了，后续也就可以办理过户手续了。

旧梦滥人心 07-13 10:13

其实买房银行贷款的流程还是比较容易的，首先需要提供一下您个人的征信报告，还有所需要的资料，比如：身份证、户口本、房产证、结婚证、银行流水、收入证明，等等。接下来就可以向银行申请贷款了，如果到时候申请成功会有相关的工作人员打电话给你联系的，其实我个人是比较建议，您使用公积金贷款，后期需要支付的利息会相对少一点的。

薄荷凉 07-13 10:22

首先如果你们要向银行办理买房贷款的话，肯定是要先提出申请，并且提交相关的证明材料的。然后银行会根据你们提供的材料来估计贷款的额度以及大概的期限。接下来银行就会对你们所提供的材料还有证明进行审查，如果符合贷款条件的话，就会确定你们的贷款额度，并且通知借款人。签订了贷款合同之后，就可以办理住房抵押以及房地产抵押的登记了。以上手续流程都办完了以后就可以得到贷款了。

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