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房产抵押贷款流程是什么？利率是多少呢

浏览：33次 | 提问时间： 07-16 08:34
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4个答案
守护天使 07-16 08:35

新乡二手房按揭贷款总流程：做房产预评估——到银行申请贷款进行面签——贷款审批通过——到房管局过户并交税——办理新房产证——到评估公司将预评估转正式评估报告，银行出具抵押报告——到房管局办理抵押——到银行领取他项权证——银行放款。

予我长存 07-16 08:43

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、婚姻状况证明；
（2）个人收入证明或资产状况证明；
（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、婚姻状况证明、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、房产抵押贷款担保具体流程：
（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，

初恋情人 07-16 08:52

房屋抵押银行贷款流程◆借款人提出申请,递交相关资料◆进行房产评估、贷前调查、审批。◆审批通过,办理抵押登记手续。◆发放贷款,借款人按合同定期归还贷款本息。◆贷款本息结清,办理抵押房屋的撤押手续！

Queene 07-16 09:00

要和银行签写《借款合同》、《抵押合同》,然后到房产登记部门办理抵押登记,银行取...首先,土地证抵押贷款跟一般的贷款办理流程是一样的,你要去银行申请,银行根据自己的...

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