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一手房按揭流程是什么啊？需要注意哪些问题？

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一手房按揭流程是什么啊？需要注意哪些问题？

浏览：34次 | 提问时间： 07-20 04:08
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4个答案
爱的归宿 07-20 04:09

公积金找按揭公司办理按揭就可以了，还要交按揭费，买一手房就要交契税，二手房没过五年就要交个税，营业税，契税，

記得要忘記 07-20 04:26

你好。二手房可以首付。跟一手房其实是一样的，只不过一手房有固定的银行可以选取，集体办理按揭。二手房需要自己办理或者找房屋中介代为办理代办费用几百到一千元不等。实际流程是你们买卖双方同意以按揭的方式进行交易，您将首付支付给出卖人后，在房产局办理过户手续，在银行提供相应的收入证明和社保证明办理按揭，大约一个月后就能放款，出卖人收到银行的放款后，你们的买卖关系就结束了，剩下的就是你按时按揭还款给银行，你的房产证是保存抵押在银行手上的。当你按揭完毕的时候银行会把房产证给你并给你出示银行按揭抵押证明，证明您已经还清贷款，在办理房产证的转换手续，关注是按揭转换成一次性的房产证，房产证上就没有“按揭”字样，您以后也可以进行交易。期望能帮到您。题主好，同样是可以的，我的意思是假如你自己不熟悉流程应该找中介代办贷款手续，二手房没办法用公积金贷款，由于公积金不对个人。

意犹 07-20 04:34

买一手房的流程是这样的：看好房后下定，签认购协议类的合约，确定购房意向，房号房款等信息，交首付，签合同，递交银行按揭资料，假如一次性付款的就交办证资料银行申请按揭，银行审批，银行审批通过，再正式网签合同，网络等可以查询得到的，有合同编号。银行房款，你就可以开始供楼了

情曲折 07-20 04:42

一手房按揭贷款的办理流程
1：递交材料、提出额度申请银行调查、审批;
2：与借款人签订《个人房产最高额抵押理财额度借款合同》等;
3：办理额度发放手续;
4：办理最高额抵押登记手续;
5：发放额度下贷款――借款人依照借款合同约定偿还本息;
6：现借款人还清贷款，合同解除、注销抵押登记

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