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二手房按揭贷款流程

浏览：34次 | 提问时间： 07-13 10:04
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6个答案
Sadness逝言 07-13 10:05

二手房按揭的流程还是有点麻烦的，首先，双方必须在有第三方在场的情况下签署合同，合同包含了具体的付款时间、过户时间、房价等，其次，你才可以拿着购房合同去银行申请贷款的，银行之后会对你的申请调查的，要是情况属实，你也没有其他的负债，估计在15个工作日之内，就会通知你过去签借款合同了，之后贷款就会到你当初填写的银行卡里面了。

媚 07-13 10:14

买房子的时候不管是二手房还是新房都可以按揭贷款，因为二手房的价格会比新房的价格低一些，所以一般人都会选择去购买二手房，首先需要准备借款人的合法有效身份证和借款人的经济收入证明和职业证明借款人的家庭户口登记，如果有配偶的情况下，需要提供夫妻关系证明，要做一个共同的承诺，所有材料准备以后可以向银行提交申请，经过一段时间的评估后，银行进行审批就可以交手户办理过户进行贷款。

待我幼稚完 07-13 10:22

二手房按揭贷款流程其实和新房子贷款流程也是一样的，首先，要先确定通过哪家银行来贷款，现在各个银行贷款的利息还是有些区别的，在贷款之前最好还是先咨询清楚了再做打算。确定好银行之后，就去银行填写申请表格，再根据银行的要求提供户口本、身份证、银行流水、工作证明和收入证明等等，银行会根据你提供的相关资料来审核，看个人征信，符合条件的话，银行就会同意贷款的。

君心今何在 07-13 10:30

其实二手房的按揭贷款的流程和新房的贷款流程是一样的。首先我们肯定是要去当地的银行填写一个贷款的申请表格的，如果银行同意了我们的申请以后，我们需要回家准备好自己的身份证，户口本，工作证明，收入证明，银行流水。银行会根据这些材料来评估我们是否有还款的能力，最后银行还要我们出示一下征信报告，主要就是看一下我们是否有不良的信用记录。如果所有的材料都没有问题的话，银行就会和我们签订一个贷款合同。

超过了恐惧 07-13 10:38

二手房按揭贷款流程1首先买卖双方带上银行需要的资料，提交给银行。然后填写申请贷款表，填完以后交给银行工作的人进行审批。工作人员根据提供的资料对抵押房产做出评估，给出大概的贷款金额和贷款年限。2房屋评估单位到房子现场进行实地调查评估，然后评估单位告诉银行评估报告。3银行根据房屋评估报告，给出具体的贷款金额和期限。4买方办理房子抵押手续，办理完成以后银行就可以放款了。

我承认你还是我最大的心事 07-13 10:47

如果说你想要按揭贷款买二手房的话，首先肯定是要申请，填写贷款申请表，把这个申请表和其他材料带到银行去。银行那边会派人过去评估价格，最后定好贷款额度和年限，之后银行会审核你的所有材料，只要是符合条件的，就会给你办理贷款手续。但是在给你打钱之前，你一定要先把这个首付的钱给付清，办理过户手续，只要这个手续办结束了，就可以打钱给你了。

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