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诚挚恳求大家帮忙解答如何拿房子贷款？流程谁知道？利率又是多少的

诚挚恳求大家帮忙解答如何拿房子贷款？流程谁知道？利率又是多少的

浏览：34次 | 提问时间： 07-16 08:36

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4个答案

痴心不改 07-16 08:36

首先要找到买家，你房子有贷款要把贷款平清，银行才允许你卖，如果你没有那么多钱去把贷款还了的话，可以在确定买家确实购买你的房子的情况下，先与买家签订合同，你在找个平贷公司，帮忙平贷，他们的收费基本在2.5%---3%之间，也可以让玩家帮你还。找中介也可以，他们的收费一共是2%【总房款】。有他们的话会比较省事一些。房子卖了之后仍然可以按首套房购买，允许贷款。

在你身后 07-16 08:45

这样从正常角度来说是不行的，因为这样可以的话，炒房就太简单了，随便更名就行，但是我见过可以的，原因是找了合同备案科的熟人，大家都认识，知道不会产生纠纷，所以人家帮忙给重签合同，重新备案了，关键要找对人。不用手续费，发票可以重开啊，你自己把关系弄好了，人家开发商会给你重开发票的。楼上讲的是房产证办好后的过户情况，这也是一种渠道，就是你等房产证办好，到房管局签些协议，过户给你爸，但如果你是按揭的话，有点麻烦，必须还清贷款再过户。你房要是按揭的，按揭年数加你爸年龄不能超过60岁，银行破规定。很被楼主的孝心感动，要不是我的房是按揭，我的房产证也是我爸名字的，你可以在拿到房产证后，去房管局办理过户手续，关于一些费用，只要家人喜欢，钱是次要。

取一盏清酒 07-16 08:53

首先要说的是买家不出全款就别跟他做公证。如果买家以贷款形式购买您的房屋，则银行必须确认买卖交易完成也就是去建委办理完产权转移登记以后才可以放贷，贷款的钱才能到您银行账户里，如果不过户，您是永远拿不到钱的！本人怀疑有人想诈骗您，您一定要多小心，最好找一家大型中介公司办理此事，推荐的有“我爱我家、链家地产、21世纪不动产”这三家是全国性质的，应该能帮您处理好卖房事宜。如果买方继续偿还您买房子所产生的贷款，那您就不用担心买方会在还清尾款之前过户，因为贷款不还清银行是不会开具《还清证明》的，没有《还清证明》建委就不会给你们办理过户手续的，从这点看买家是比较吃亏的，首付钱都给您了但是过不了户，买家应该是最担心的。您这边需要注意的是买家帮您还月供，如果经常拖欠银行还款时间或者不还月供，就会给您的个人信用造成较大的损害，在将来您要办一些需要银行经手的事情会非常困难。真不知道买家是真么想的，反正您自己一定要考虑全面了，这种事在二手房买卖中不多见，如果真的想卖一定要把合同里条条框框都看清楚，最好找个专业点的帮忙看一眼。

劳资在爷们也是一女人 07-16 09:02

你好很高兴为你解答，按揭贷款有两钟形式：其一是新房贷款，这种按揭贷款得在开发商办完产权本做完抵押登记后就可以预约贷款银行拿房本了。按揭贷款银行不是扣押房产证而是他项产权证，是土地证的一部分，一个正常的房子拥有房产证和土地证两证，他项权证是土地证的一部分，即按揭贷款房产证在个人手里，而土地证是要给银行保管的。其二是二手房贷款，此贷款在过户后10个工作日内做完抵押登记后就可以领取了。按揭贷款房产证领取流程
1、按揭购房的房产证一般按照房屋买卖合同规定由发展商负责办理;
2、房产证办出来后，原件通常押在银行：
3、等借款人还清银行贷款后就可以从银行拿回房产证;
4、拿证的时候还要让银行解除抵押登记。希望我的回答能帮助你。望采纳。

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