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问问一手房抵押贷款流程是什么？需要满足什么条件

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问一下按揭购买期房流程是什么？哪位晓得？各位好，我想清楚：邮政银***产抵押贷款是什么流程？个人商用房抵押有什么流程？求告知房屋按揭费用一般需要多少？请大家给我点参考价格我想问一下买精装房首付多少？有人清楚吗？按揭购买新房流程是什么买房子要注意哪些？按揭过户流程是怎样的？哪位知道？求助一下，公积金可以拿来装修吗？选择哪种风格啊哪位熟悉，装修能提取公积金么？要注意哪些方面装修可以公积金贷款不啊？哪位来帮我算下啊问一下，公积金可以贷款出来装修吗？谁知道市场价？有哪位清楚消费贷款对房贷有影响吗？流程是什么个人房产抵押银行贷款需要哪些流程和条件？如何查房贷余额还剩多少钱？谁知道大概价格啊我想请各位说一下2手房贷款流程是怎样的？

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问问一手房抵押贷款流程是什么？需要满足什么条件

浏览：38次 | 提问时间： 07-20 04:07

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2个答案

月影清荷 07-20 04:07

房产证可以抵押贷款，前提是你的房子是一手交清的，不是按揭贷款购买的。

回憶是泪苦又涩 07-20 04:24

一、贷款咨询借款申请人向所购房屋指定的住房公积金贷款银行进行贷款咨询，领取相关资料填写。
二、提交资料
1、《一手房个人住房公积金贷款资料》；
2、借款人及配偶身份证、户口簿、结婚证原件(或单身证明)、收入证明原件及复印件；
3、经房产部门备案的购房合同原件及首付款收据的原件及复印件；
4、借款人住房公积金的缴存证明。
5、贷款银行要求提交的其它证明材料。需关注的是，以上复印件最少准备4份，以免出现资料不足的窘境。
三、签订合同贷款银行受理借款申请人资料，由银行报住房公积金中心审批后，借款人与贷款银行签订借款合同及抵押合同等相关贷款文件。
四、办理抵押由贷款银行或借款人到房地产抵押登记部门办理房屋抵押登记。
五、贷款发放由公积金中心委托贷款银行将借款人的贷款资金以转账方式直接划入售房单位账户。
六、按月还款自贷款发放的次月，借款人应按《借款合同》约定，按时偿还贷款本息，直至全部贷款结清。借款人最后一次还清剩余贷款时，应亲自前往贷款银行并在银行柜面办理还贷结清手续。
七、注销抵押借款人还清全部贷款本息后，凭贷款银行出具的贷款结清证明和撤销房屋抵押证明到房地产抵押登记部门办理抵押登记注销手续。此时，住房公积金贷款流程已经全部结束。综上所述，以上就是购买者购买一手房申请公积金贷款的相关流程。值得关注的是，以上一手房需是现房，方可以办理抵押申请；假如是期房的话，办理流程会有所同，需提前咨询当地住房公积金中心。

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