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问一问大家抵押房子贷款需要哪些材料说说看？具体流程是什么

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问一问大家抵押房子贷款需要哪些材料说说看？具体流程是什么

浏览：30次 | 提问时间： 07-16 08:11
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3个答案
有地狱我们一起去猖獗 07-16 08:12

抵押房产贷款装修房产证是需要抵押在银行里面的，到房屋土地管理局做一个抵押登记，就是在房本上扣个戳，证明已经把房子抵押给银行了，然后你可以把房本拿回来，等你还完款，再去取消抵押登记就行了，并不会影响你的居住和出租。期望可以帮助你，谢谢。

真心喂了狗么 07-16 08:20

房子抵押贷款办理材料及流程：
1、前期准备房产抵押贷款担保所需材料：
（1）个人身份证件、户口本、居住地址证明、婚姻问题证明；
（2）个人收入证明或资产问题证明；
（3）抵押房屋的产权证明；
（4）若申请人以他人房产作抵押，还需提供房产权属人（含共有人）身份证、婚姻问题证明、同意抵押的书面证明等；
（5）若指定银行，还需要满足该银行要求的其它证件。
2、房产抵押贷款担保实际流程：
（1）客户名下的房产首先是可以办理房产抵押登记的大产权房屋；
（2）抵押贷款担保经办部门办理抵押贷款担保申请；
（3）选出最优银行和最优房产评估机构对客户提供有自有房产进行评估，并提交房产评估报告。
（4）客户办理房产保险手续及相应的贷款担保审批手续，贷款担保额度最高可达评估价值的80%。
（5）客户持房产证、借款合同到房产所在区县房地局办理抵押登记手续。
（6）抵押登记办妥后，银行方可发放贷款担保。不同银行贷款担保流程可能会有一定差异，请以银行实际情况为准，

逆天女漢子 07-16 08:28

房屋抵押贷款过程中是需要抵押房产证的，到房屋土地管理局做一个抵押登记，就是在房本上扣个戳，证明已经把房子抵押给银行了，然后你可以把房本拿回来，等你还完款，再去取消抵押登记就行了，并不会影响你的居住和出租。期望可以帮助你，谢谢

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