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个人房产抵押个人的流程是什么啊？有人知道吗？

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个人房产抵押个人的流程是什么啊？有人知道吗？

浏览：36次 | 提问时间： 07-20 04:08

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3个答案

千秋 07-20 04:09

流程：个人（公司）按揭房抵押贷款：提交申请资料——银行审批——审批通过后赎楼（把房产证赎出）——国土局注销并重新办理抵押登记——原件抵押银行——银行放款。深圳为你量身定做合适你的银行方案，期望可以对你有用

珍惜到最后什么也留不住 07-20 04:25

买房贷款审批，需要一个月的流程：
1.向银行提出贷款申请，
2.银行受理后，对抵押房产价值进行评估，依照评估值核定贷款金额；
3.开立个人活期存款帐户、签定借款合同等；
4.办理房地产抵押登记事宜；
5.银行放款.

疚人 07-20 04:34

房子抵押贷款办理材料及流程：
1、前期准备房产抵押贷款担保所需材料：
(1)个人身份证件、户口本、居住地址证明、婚姻问题证明；
(2)个人收入证明或资产问题证明；
(3)抵押房屋的产权证明；
(4)若申请人以他人房产作抵押，还需提供房产权属人(含共有人)身份证、婚姻问题证明、同意抵押的书面证明等；
(5)若指定银行，还需要满足该银行要求的其它证件。
2、房产抵押贷款担保实际流程：
(1)客户名下的房产首先是可以办理房产抵押登记的大产权房屋；
(2)抵押贷款担保经办部门办理抵押贷款担保申请；
(3)选出最优银行和最优房产评估机构对客户提供有自有房产进行评估，并提交房产评估报告。
(4)客户办理房产保险手续及相应的贷款担保审批手续，贷款担保额度最高可达评估价值的80%。
(5)客户持房产证、借款合同到房产所在区县房地局办理抵押登记手续。
(6)抵押登记办妥后，银行方可发放贷款担保。不同银行贷款担保流程可能会有一定差异，请以银行实际情况为准，

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