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个人房贷分期付款需要什么手续和流程？

个人房贷分期付款需要什么手续和流程？

浏览：66次 | 提问时间： 07-20 04:08

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吹散思绪 07-20 04:09

按揭买房和全款买房优势：分期付款买房，不需要一次性大笔支出，造成家庭负担，在未有大额存款时，可以提前入住新房，最大效率提高了个人资金使用率；一次付清款项，产权完整，一次付清款项，产权完整，手续简单，流程顺畅。

阿海绵阿宝宝 07-20 04:25

随着社会经济的发展，人民生活水平的提高，老百姓购房的付款方式也发生着变化，那么购房付款方式有几种每种付款方式的有何利弊呢
一、购房付款方式有几种
1.一次性付款双方签订售房合同一定期限内(通常是一个月上下的时间)付清房款的95%，剩余5%在交房时一次付清。一次性付款手续简便，房价折扣较高，但占用大量资金。
2.分期付款通常是在付清首期房款后随工程进度分若干期付款，直至交房后全部付清，有免息付款和低息分期付款两种方式。分期付款方式虽然可以减轻筹资压力及资金风险，但费时费力，也不能享受优惠。
3.银行按揭贷款即通常所说的房地产抵押贷款，由银行先行支付房款给房产商，以后购房者按协议逐月向银行支付贷款本息的一种付款方式。按揭贷款依照市场上现行的贷款性质不同，又有个人住房公积金贷款、个人住房商业贷款、住房储蓄贷款、楼盘合作方式等。
二、每种付款方式的有何利弊
1.一次性付款利：一次性付款通常都能从销售商处得到房价款的5%上下的优惠，如是现房则能很快获得房屋的产权，假如是期房则这种付款方式价格最低。弊：一次性付款需要筹集大笔资金，且损失此项资金的利息，对经济能力有限的购房者压力较大。假如是期房的一次性付款，开发商有可能不按期交房，造成利息甚至全部房款损失，购房风险大。
2.分期付款利：缓解一次性付款的经济压力，也可用房款督促开发商履行合同中的承诺。弊：分期付款随着付款期限的延长，利率会越高，房款额比一次性付款的房款额高。
3.银行按揭贷款利：可以筹集到所需资金，实现购房愿望，花明天的钱圆今天的梦。弊：现在手续繁琐、限制较多。

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