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不贷款买房流程有哪些贷款买房需要什么条件和手续？

浏览：50次 | 提问时间： 07-20 04:13
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2个答案
茶终凉 07-20 04:14

买房子可以不找房产中介的，假如你能找到房源信息，并且清楚交易流程，并且有办理贷款和网签的渠道，也是可以自己办理购房相关手续的。

用无数口气说着喜欢你 07-20 04:30

贷款买房，不需要把房产证压在银行的。
一、贷款买房的流程：借款人同开发商签订购房合同并支付首付款。借款人提出贷款申请，提交贷款资料。银行受理，调查、审查、审批。银行与借款人签订借款合同。办理公证、保险手续。银行发放贷款。
二、贷款买房需要要关注的：申请贷款前尽量不要动用公积金。在借款的最初一年内不要提前还款。还贷有困难可向银行申请延期。贷款后出租住房不要忘告知义务。贷款还清后不要忘记撤销抵押。不要遗失借款合同和借据。

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