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买房屋贷款流程？应该注意什么

买房屋贷款流程？应该注意什么

浏览：31次 | 提问时间： 07-17 04:50

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5个答案

谁走我都欣然松手 07-17 04:51

1、借贷人向贷款机构提出贷款申请。
2、借贷人准备贷款所需相关资料。
3、贷款机构对借贷人贷款申请审核。
4、审核通过后放款。其要求为：
1、房屋贷款，需要借贷人提供房产证。
2、非房屋贷款，比如信用贷款，就要特别注意借贷人的信用、收入证明。

打我也不松手 07-17 04:59

贷款标准
1、贷款用途:用于支持个人在中国大陆境内城镇购买、建造、大修住房。
2、贷款对象:具有完全民事行为能力的中国公民,在中国大陆有居留权的具有完全民事行为能力的港澳台自然人,在中国大陆境内有居留权的具有完全民事行为能力的外国人。
3、贷款条件:借款人必须同时具备下列条件:
(1)有合法的身份。
(2)有稳定的经济收入,信用良好,有偿还贷款本息的能力。
(3)有合法有效的购买、建造、大修住房的合同、协议以及贷款行要求提供的其他证明文件。
(4)有所购住房全部价款30%以上的自筹资金(对购买自住住房且套型建筑面积90平方米以下的,自筹资金比例为20%),并保证用于支付所购住房的首付款。
(5)有贷款行认可的资产进行抵押或质押,或(和)有足够代偿能力的法人、其他经济组织或自然人作为保证人。
(6)贷款行规定的其他条件。
4、贷款额度:最高为所购(建造、大修)住房全部价款或评估价值(以低者为准)的80%;
5、贷款期限:一般最长不超过30年。
6、贷款利率:按照中国人民银行和中国银行业监督管理委员会的相关利率政策执行。
7、申请贷款应提交的资料:
(1)身份证件复印件(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);
(2)贷款行认可的借款人偿还能力证明资料;
(3)合法有效的购买(建造、大修)住房合同、协议及相关批准文件;
(4)借款人用于购买(建造、大修)住房的自筹资金的有关证明;
(5)房屋销(预)售许可证或楼盘的房地产权证(现房)(复印件);
(6)贷款行规定的其他文件和资料。
8、客户贷款流程:
(1)贷款咨询:通过网点、电话或网站了解个人住房贷款对象、贷款条件、贷款额度、期限、利率、还款方式、贷款程序等情况;
(2)贷款申请:提交建行规定的申请个人住房贷款的材料;
(3)签订合同:客户的申请获得批准后,与建行签订住房贷款合同;
(4)贷款发放:建行在条件具备时按合同约定发放贷款;
(5)客户还款:客户按合同约定按时还款;

日久见人心不古 07-17 05:08

一、澳洲房屋贷款流程选定房子——联系贷款机构——递交申请——评估——交换合同达成共识——settlement。

不懂理睬 07-17 05:16

你好。一是首期款，在买房时立即支付;二是房屋贷款，可在长达25年里分期偿还。一般情况下，首期款付5%就可以申请贷款买房了，但如首期款低于25%，需要要购买贷款保险，此保险受益人是银行。保险费通常是几千元，一次性支付，通常放在房屋贷款总额中分期偿还。理论上要尽可能多付首期，首期款付得越多，贷款越少，贷款利息支出越少，而且首期超过25%，不必买贷款保险。以上价格来源于网络仅供参考，以实际购物时为准

他说少年如歌 07-17 05:24

答：您好!本人从事房产6年有余,主要江苏苏州地区周边的买房卖房租房房屋贷款，抵押，过户等问题欢迎各位咨询。24小时为您服务，1811--8447--332

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