array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(21) "转按揭贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(916017) ["id"] => string(6) "916017" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941662146591) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/916017" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/916017" } [1] => array(11) { ["tagname"] => string(21) "银行贷款转按揭" ["inlink"] => int(0) ["addtime"] => string(10) "1598923399" ["tagid"] => int(844912) ["id"] => string(6) "844912" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503939615326222) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/844912" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/844912" } [2] => array(11) { ["tagname"] => string(21) "银行转按揭贷款" ["inlink"] => int(0) ["addtime"] => string(10) "1598923636" ["tagid"] => int(888905) ["id"] => string(6) "888905" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940907171865) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/888905" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/888905" } [3] => array(11) { ["tagname"] => string(21) "转按揭贷款银行" ["inlink"] => int(0) ["addtime"] => string(10) "1594371456" ["tagid"] => int(468193) ["id"] => string(6) "468193" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503926810116116) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/468193" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/468193" } [4] => array(11) { ["tagname"] => string(27) "转按揭贷款怎么办理" ["inlink"] => int(0) ["addtime"] => string(10) "1594371456" ["tagid"] => int(468192) ["id"] => string(6) "468192" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503926810116115) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/468192" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/468192" } [5] => array(11) { ["tagname"] => string(15) "转按揭贷款" ["inlink"] => int(0) ["addtime"] => string(10) "1594372024" ["tagid"] => int(563836) ["id"] => string(6) "563836" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503929580453899) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/563836" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/563836" } [6] => array(11) { ["tagname"] => string(18) "贷款房转按揭" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(999294) ["id"] => string(6) "999294" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944029831185) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/999294" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/999294" } [7] => array(11) { ["tagname"] => string(21) "商业贷款转按揭" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(915944) ["id"] => string(6) "915944" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941660049445) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/915944" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/915944" } [8] => array(11) { ["tagname"] => string(21) "深圳转按揭贷款" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(915987) ["id"] => string(6) "915987" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941662146561) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/915987" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/915987" } [9] => array(11) { ["tagname"] => string(21) "苏州转按揭贷款" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(915992) ["id"] => string(6) "915992" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941662146566) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/915992" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/915992" } [10] => array(11) { ["tagname"] => string(21) "住房转按揭贷款" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(898971) ["id"] => string(6) "898971" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941190287381) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/898971" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/898971" } [11] => array(11) { ["tagname"] => string(24) "无交易转按揭贷款" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(904659) ["id"] => string(6) "904659" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941348622339) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/904659" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/904659" } [12] => array(11) { ["tagname"] => string(21) "转按揭贷款担保" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(915910) ["id"] => string(6) "915910" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941660049411) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/915910" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/915910" } [13] => array(11) { ["tagname"] => string(21) "转按揭贷款利率" ["inlink"] => int(0) ["addtime"] => string(10) "1598924443" ["tagid"] => int(1035147) ["id"] => string(7) "1035147" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503945079455775) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1035147" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1035147" } [14] => array(11) { ["tagname"] => string(30) "二手房转按揭贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923399" ["tagid"] => int(843330) ["id"] => string(6) "843330" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503939570237457) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/843330" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/843330" } [15] => array(11) { ["tagname"] => string(30) "二手房转按揭贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923399" ["tagid"] => int(843331) ["id"] => string(6) "843331" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503939570237458) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/843331" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/843331" } [16] => array(11) { ["tagname"] => string(45) "转按揭贷款具体的操作流程有哪些" ["inlink"] => int(0) ["addtime"] => string(10) "1599530139" ["tagid"] => int(1178633) ["id"] => string(7) "1178633" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950292975642) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1178633" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1178633" } [17] => array(11) { ["tagname"] => string(21) "房屋转按揭贷款" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(499412) ["id"] => string(6) "499412" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927725522944) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/499412" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/499412" } [18] => array(11) { ["tagname"] => string(21) "转按揭贷款手续" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(915921) ["id"] => string(6) "915921" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941660049422) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/915921" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/915921" } [19] => array(11) { ["tagname"] => string(21) "房屋贷款转按揭" ["inlink"] => int(0) ["addtime"] => string(10) "1598923730" ["tagid"] => int(920634) ["id"] => string(6) "920634" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941792169987) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/920634" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/920634" } } ["counts"] => int(666879) ["pagecount"] => float(33344) }

当前位置：首页>

装修问答

其他

银行转按揭贷款流程是什么转按揭贷款是怎么办理的？

银行转按揭贷款流程是什么转按揭贷款是怎么办理的？

浏览：54次 | 提问时间： 07-20 03:33

分享到：

3个答案

敷衍我 07-20 03:34

办理房屋转按揭的时候，需要一系列的手续，中间还可能会有中介的参与，因此也许会出现一些细节上的问题，并且容易被忽略。下面跟着找法网小编一起来了解一下房屋转按揭要关注事项吧。
一、谨慎选取中介办理二手房转按揭时可能会涉及到中介，不过由于中介的素养不一，在选取的时候需要谨慎一些。有些中介不告诉买方需要缴纳的实际费用，只告知一个所谓的全部费用，但其实要高出实际费用很多，这样说辞模糊的中介还是不要选取的好。以及在签订代理协议时，要看清条款，挑出合同中的“霸王条款”，以防上当受骗。
二、做好评估工作二手房交易的重要一环是须对交易房屋进行评估，高了卖不出去，低了将遭受损失，要认真做好评估工作。此外，银行放贷时是采用合同价和评估价取得的原则，取两者之间的低值乘以贷款成数，即为房产的较高贷款额度，评估与较高贷款额有直接关系，需多加关注。
三、选好贷款银行各银行服务特色不尽相同，贷款品种也有所差别，假如借款人选取常见的房贷产品，就要综合各银行网点数量、还款的便利程度和工资发放银行等条件来选取，选取的银行会影响到二手房转按揭的办理进度，应多多关注。
四、关注证明还款能力二手房转按揭贷款流程中应出示收入证明，并证明自己的还款能力。假如买方一个人的收入不足以还得起月供，则可以夫妻双方同时开具收入证明来申请贷款，另外，还可以将大额存款、债券、房产等资产拿来作为收入证明，以此证明自己的还款能力。

瑾 07-20 03:51

转按揭（将贷款转移到买家身上）转按揭是指在借款人出售作为抵押物的房屋，经贷款银行同意，由房屋的购买人继续偿还出售人未到期的贷款。也就是说出售若想有贷款的房子，需要将房子的按揭转给买方，让买方继续偿还卖方的按揭贷款。转按揭的手续流程相当复杂，存在同行转按揭和跨行转按揭的情况，这种方法在使用中受到很多限制，现在能做转按揭的银行很少。

人渣太多 07-20 03:59

“转按揭“是一个通称。二手房买卖中的上家原先在银行办理过贷款，可以通过“转按揭“的形式将贷款转移给买房者。如借款人因融资或周转资金等需要，欲使用已抵押给银行的房屋增加贷款额，也可以通过转按揭手续转由其他银行办理贷款。

装修问答

其他

银行转按揭贷款流程是什么转按揭贷款是怎么办理的？

最新问题

相关搜索

最新推荐

银行转按揭贷款流程是什么转按揭贷款是怎么办理的？