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按揭房怎样做抵押贷款？流程怎么走？

按揭房怎样做抵押贷款？流程怎么走？

浏览：41次 | 提问时间： 07-20 04:07

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还有梦 07-20 04:07

假如原买方把贷款还掉，然后你再跟开发商签合同，那么就可以再次做按揭贷款。按揭是指买方因买房而要银行做抵押贷款，银行就以你买的这套房子做抵押才放款给买房，现在房子已经做过一次抵押，当然不能再做按揭了，除非把贷款还掉，这样就可以做按揭贷款了

绿棠 07-20 04:24

如何办理：
1、借款人准备相关资料：在贷款前，借款人需要向银行提供许多资料，这就包括身份证，户口本，结婚证，房产证，购房合同．
2、银行流水对账单：依照房屋价值的不同，银行的房贷额度也不同，除了需要对房产证进行抵押，银行为了更好的规避风险，也需要借款人有良好的信用和经济实力，大多数银行会要求借款人提供个人账户近半年的银行流水对账单。
3、向银行申请贷款：房屋贷款的额度通常在5000元以上，房产价值的70％以下。贷款预期年化利率会依照央行基准预期年化利率上调一定比率，贷款期限通常为5至30年，还款方式通常有等额本息，等额本金两种方式，前者前期还款压力较小，后者后期还款压力较小，借款人可以依照自身情况灵活选取。
4、银行审核房贷：在申请完房贷后，银行就开始了对借款人的资质审核。
5、银行审核通过，办理相关手续：银行在通过借款人的房贷审核，同意批贷后，借款人需要与银行业务员一同前往当地县级以上产房管理部门做抵押登记手续。
6、银行获得房产证，放款：在上面的手续和过程都办好后，银行将会向借款人放款。不过由于是房屋贷款，通常来说，银行的放款会直接打到地产开发商的账户中，并不会直接发放给借款人。

婊说灭婊我笑了 07-20 04:32

表示可以做房产抵押贷款的要求：
1.贷款对象:年满十八周岁的中国公民。
2.贷款额度:需要抵押贷款的房产估值80％。
3.贷款期限:可贷款1-60个月。
4.贷款利率:月息最低0.5%。
5.房产类型:接受商品房、住房、商铺、按揭房、二次抵押贷款、酒店式公寓、写字楼、办公楼。

有你陪真好 07-20 04:41

按揭中的房屋可以进行按揭房二次抵押贷款，即找担保公司帮忙将余额还清并解押房屋之后，再抵押给银行贷款。

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