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急求买房申请贷款的流程是怎样的？有什么规定

急求买房申请贷款的流程是怎样的？有什么规定

浏览：51次 | 提问时间： 07-16 08:36

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永垂不朽 07-16 08:37

贷款买房的流程——向按揭银行提交如下资料
（一）提交具有法律效力的身份证明(居民身份证、户口簿、军官证、在中国大陆有居留权的境外、国外自然人为护照、探亲证、返乡证等居留证件或其他身份证件)；
（二）固定收入证明或其他偿还能力证明；
（三）经房地产管理部门见证的商品房买卖契约正本；
（四）贷款银行要求的其他文件；如果借款人的配偶与其共同申请借款，借款申请书上还要填写清楚配偶的有关情况，并出示结婚证和户口簿等；贷款买房的流程——签订贷款合同银行对贷款人提供的信息进行审查，审查合格后，由银行，开发商和贷款人签订《房地产抵押（按揭）合同》，《楼宇按揭贷款合同》（注意，此合同需公证或律师见证，费用由购房者承担），三方共同去房地产管理部门进行登记。其中，购房者需提交以下材料：
（一）经房地产管理部门见证的商品房买卖契约正本；
（二）提交具有法律效力的身份证明(居民身份证、户口簿、军官证、在中国大陆有居留权的境外、国外自然人为护照、探亲证、返乡证等居留证件或其他身份证件)；
（三）楼宇按揭贷款合同；
（四）抵押申请表及抵押合同原件。委托他人代为登记的，需要提交有效的授权委托书原件。贷款买房的流程——支用贷款办妥有关手续后，经贷款行同意发放的贷款，贷款行按照借款合同约定，将贷款直接转入借款人在贷款行开立的存款账户内，或将贷款一次或分次划入售房人在贷款行开立的存款账户内。选用委托扣除款方式还款的客户（目前可供选择的还款方式有委托扣款和柜面还款两种方式），需与银行签订委托扣款协议，并在贷款行指定的营业网点开立还款专用账户。同时，售房人要在贷款行开立售房结算账户或存款专户。贷款买房的流程——按期还款借款人按借款合同约定的还款计划、还款方式偿还贷款本息。贷款结清后，借款人从贷款行领取贷款结清证明，取回房地产权属抵押登记证明文件及保险单正本，并持贷款行出具的贷款结清证明到原抵押登记部门办理抵押登记注销手续。以上就是有关贷款买房的流程，怎样办理贷款买房相关内容的介绍，在现实生活中，大部分人买房还是需要通过按揭贷款来买房。但是办理按揭贷款买房的流程比较复杂，在办理贷款买房时，为了防止房产纠纷或者使自己的利益遭受损失，最好还是咨询律师，在律师的帮助下办理贷款买房。

已忘初 07-16 08:45

个人住房公积金贷款买房的流程：
1.借款申请人填写申请表；
2.申请人向中心提交申请资料；
3.经过中心初审确认客户的贷款资格；
4.借款人委托评估事务所进行抵押物审核评估；
5.填写贷款文件；希望可以帮到你。

缱绻 07-16 08:53

第一步：签约纳税签约纳税是贷款买房流程第一步。签订《预售契约》、《买卖合同》；按开发商的具体要求缴纳首付款；与开发商各自按房价款的0．5％的额度缴纳印花税。第二步：提交申请贷款买房流程中最繁琐，且最重要的一步，就是提交申请。有别于住房公积金贷款买房，商业贷款买房要按规定填写及提交相关资料。
（1）填写申请资料：
1、《个人住房贷款借款申请表》
2、《个人住房贷款借款合同》
3、《贷款房屋所有权证收押合同》
4、《授权委托书》
5、《承诺书》
6、《谈话记录》
（2）提交申请资料：
1、申请人和配偶的身份证、户口簿、暂住证、结婚证、学历证等相关证明。
2、购房协议书正本
3、申请人家庭收入证明材料和有关资产证明等，包括工资单、个人所得税纳税单、单位开具的收入证明、银行存单等在了解如何贷款买房的过程中会发现，和住房公积金贷款买房流程一样，办理完以上提及的贷款买房手续，则算提交申请完成，接下来就要等待银行审批。第三步：银行审核银行根据贷款人提供的资料，对贷款人资信、贷款额度、贷款年限等作出审核。这一步贷款买房手续是银行做主导，是关系到贷款申请成功与否的关键。第四步：签订贷款相关合同银行审批后，与贷款人签订一系列合同文件。大多数人认为签订完合同之后，贷款买房流程结束。其实只算完成了贷款买房手续中绝大部分的工作，接下来还有一个步骤。第五步：贷款人按月还款贷款买房手续中最后一个步骤就是归还贷款。直至贷款全数归还之日，整个贷款买房流程才算真正结束。

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