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在厦门的二手房贷款担保流程是什么?利息是多少_其他_设计456问答
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在厦门的二手房贷款担保流程是什么?利息是多少

浏览:35次 | 提问时间: 07-17 05:16
分享到:
4个答案
三寸海屿日光 07-17 05:16

你好,市住房公积金管理中心的相关负责人介绍说,以前公积金购房贷款采用的是用所购住房抵押的方式,现在贷款人除了可以继续选择上述方式外,还可以选择担保公司担保的方式。而对于时间要求相对严格的借款人,尤其是对二手房交易中因特殊情况急需资金早日到位的出卖人而言,采用担保公司担保方式将其抵押手续后置办理,其间风险由担保公司承担,受理周期将大为缩短,可在抵押登记手续办妥前,银行提前放款。不仅如此,采用担保公司担保方式将简化贷款人的贷款流程,只需在柜台提交材料、签署合同,其他相关手续均可由担保公司代办,减少了贷款人办理房屋保险、公证、抵押等中间环节。

柑橘 07-17 05:25

你好,二手房可以按揭,二手房按揭贷款流程:签订房产买卖合同→提交贷款申请→银行调查审批→落实贷款担保→办理房产过户→签订贷款合同→银行发放贷款→借款申请人按月还款具体操作流程:
1.买卖双方签订《房屋买卖合同》,在合同中约定买方通过二手房贷款的方式支付房款,并约定首付款及贷款的比例。在这个环节,买方一般应在现场看房的同时,查验卖方的《房屋产权证》、水电气费记录等凭证;有时卖方会要求买方缴纳一定的定金。
2.买卖双方到房屋所在区县的房地产交易市场现场打印《房产买卖协议》(协议上应明确注明房屋价款的支付方式,),并且同时由买卖双方到当地房管局现场签订《私产房屋代收代付协议》,用以明确交易资金代收代付的委托关系。
3.由于二手房的特殊性,买方需要先找评估公司对所购房产进行评估。银行会根据房屋交易价和评估价中较低者作为放贷的依据。需注意的是,有些银行会只接受指定评估公司的评估报告,而有些银行则没有要求,因此,购房者在评估前要先咨询贷款银行。
4.为了保证贷款的安全性,一般银行会要求买方提供担保。担保人可以是有经济能力的个人,也可以是专业的担保公司。需注意的是,目前有些银行已经推出了无担保的二手房贷款,因此,购房者在办理房贷前要明确所在银行对担保费的收取。希望可以帮到你.

不一样的烟火 07-17 05:33

二手房交易贷款流程
1、房屋买卖双方签订房屋买卖合同;二手房交易贷款流程
2、购房人向银行提出贷款申请,并提交书面资料,包括购房合同、买卖双方的身份资料(身份证和户籍本)、婚姻状况证明(未婚证明或者结婚证)、房地产产权证、首付款证明;二手房交易贷款流程
3、由银行指定估价机构对房产进行评估,为此购房人还需要承担评估费用;二手房交易贷款流程
4、银行指定的律师事务所出具《法律意见书》。银行批贷,发放贷款承诺书;二手房交易贷款流程
5、银行与购房人(贷款方与借款方)签订房屋抵押贷款合同并办理公证或者律师见证;二手房交易贷款流程
6、建立存用贷款账户,划拨购房贷款;二手房交易贷款流程
7、房地产保过户当日,办理房屋过户手续及银行抵押登记,办理贷款保险手续或者担保公司还款担保,为此购房人需要支付保险费用或者担保费用;二手房交易贷款流程
8、银行发放贷款。二手房交易贷款流程
9、借款人按月还本付息,直到还清本息,终止贷款合同。

我碍眼 07-17 05:41

重庆市二手房贷款流程:
1、二手房贷款借款人贷前咨询:填写居民房产抵押申请书,并提交银行下列证明材料:借示人所在单位出具的借款人固定经济收入证明;借款担保人的营业执照和法人证明等资信证明文件;借款人具有法律效力的身份证明;符合法律规定的有关住房所有权证件或本人有权支配住房的证明;抵押房产的估价报告书、鉴定书和保险单据;购建住房的合同、协议或其他证明文件;贷款银行要求提供的其他文件或材料。
2、银行对借款人的贷款申请、购房合同、协议及有关材料进行审查。
3、二手房贷款借款人将抵押房产的产权证书及保险单或有价证券交银行收押。
4、二手房贷款借贷双方担保人签订住房抵押贷款合同并进行公证。
5、二手房贷款贷款合同签订并经公证后,银行对借贷人的存款和贷款通过转帐方式划入购房合同或协议指定的售房单位或建房单位。希望我的回答能帮助到你

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