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首套房购买者办理房子抵押贷款流程有哪些如何办理房子抵押贷款?_其他_设计456问答
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首套房购买者办理房子抵押贷款流程有哪些如何办理房子抵押贷款?

浏览:35次 | 提问时间: 07-21 09:20
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4个答案
承蒙时光不弃 07-21 09:21

还是可以的,小产权房不得登记发证。而银行抵押贷款的前提条件是必须提供房产证明。众所周知,小产权房因为国家不承认,也不予办理登记手续,因此,小产权房是不可以在银行进行抵押贷款的,除非将小产权房转化为大产权房后拥有产权证。然而,这并不代表着小产权房无法办理抵押贷款。小产权房购买者可以在民间的担保公司办理抵押贷款或者个人借贷。

有你有我有她 07-21 09:29

1.该二手房必须有明晰的产权,房产必须具有两证,不存在任何的权属纠纷,该房产没有被用于抵押。
2.目前重庆有很多银行都不直接办理二手房的按揭贷款,但二手按揭贷款可以到银行指定的按揭贷款办理的代理机构进行办理。
3.按揭贷款的借贷人准备银行所要求的资料向按揭贷款银行提出按揭贷款申请。
4.银行审核
5.二手住房的买卖双方进行房屋买卖的交易,交易完毕,将房产过户到住房购买者的名下。
6.按揭贷款的借贷人准备相关手续到银行签订按揭贷款合同,并同贷款银行签订有关手续。
7.同贷款银行签订抵押手续,在贷款银行登记房屋抵押。
8.贷款合同生效,银行按约定放款。

时间是敌 07-21 09:38

你好,需要有房产证,一般情况下,房子如果只有购房合同是不可以办理抵押贷款。要用房子办理房产抵押贷款,要求房子有房产证才可以办理房产抵押贷款,如果没有房产证,一般不可以办理房产抵押贷款。

一诺倾尽天下 07-21 09:46

一般情况下,房子如果只有购房合同是不可以办理抵押贷款。要用房子办理房产抵押贷款,要求房子有房产证才可以办理房产抵押贷款,如果没有房产证,一般不可以办理房产抵押贷款。不过,既然房子是按揭房,没有房产证的情况下,可以到银行申请按揭二次抵押贷款。不过办理这种贷款,要求办理房屋按揭贷款的银行有这项业务,同时要求申请人的房屋按揭贷款已经按时还款满两年以上,房子有一定的抵押价值才可以办理。

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