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已有银行贷款，能不能再按揭贷款？谁对这个比较清楚？流程是什么_其他_设计456问答
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已有银行贷款，能不能再按揭贷款？谁对这个比较清楚？流程是什么

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已有银行贷款，能不能再按揭贷款？谁对这个比较清楚？流程是什么

浏览：31次 | 提问时间： 07-16 08:27
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3个答案
石头剪刀布输了陪我一辈子 07-16 08:27

按揭贷款买房，你先付一定比例的首付款，剩余房款由银行提供贷款。然后你再按月归还银行贷款本金及利息。在这一贷款行为中，银行的抵押物是你所购买的房产。虽然最终你拿到房产所有的三证。但是仔细看你会发现，你的房产证上会有一个他项权利说明，这个在房管局也有是登记的，所以未还清贷款的房产是无法转让的。另外，如果你中途无力归还贷款了，银行有权收回房产进行拍卖。

初心不变 07-16 08:36

随着高房价的出现，吹热了小产权房，相信每个购房人都听过这个称呼，而且经常听说，那有人就有疑问了小产权房子到底能不能贷款呢？答案是否定的，但是对于小小产权房屋抵押贷款，是指借款人找正规的贷款公司，抵押小产权房屋，短期贷款周转。到期归还本金，大家都知道，小产权房屋因为不能上市交易，所以不能办理银行贷款，而且贷款是担保公司所担保的风险较大，所以点位相对大产权房屋而言，利息也相对较高。

Drama冷顏來不及說愛你 07-16 08:44

还在按揭的房子原则上是不能买卖的，如要出让，必须将尚在贷款的银行余额清偿。其流程如下：
1、将余额还清，在银行取回他项权证。
2、持身份证、他项权证、产权证到房产交易中心解除抵押登记。
3、进行房产买卖。如你清偿银行贷款余额有资金困难，可与买家商量，让买家先支付足够你清偿银行贷款余额的资金，作为购你房子的首付款去银行还清余额，再按以上程序往下走即可。

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