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10秒装修报价 装修要花多少钱?获得精准报价,省钱30%
168211
元
材料费:77201元
人工费:86544元
设计费:1760元
质检费:2706元
房屋按揭程序流程是:
一、个人住房组合贷款指以住房公积金存款和信贷资金为来源向同一借款人发放的用于购买自用普通住房的贷款,是个人住房委托贷款和白营贷款的组合。此外,还有住房储蓄贷款和按揭贷款等。
二、个人住房委托贷款指银行根据住房公积金管理部门的委托,以住房公积金存款为资金来源,按规定的要求向购买普通住房的个人发放的贷款。也称公积金贷款。
三、个人住房自营贷款是以银行信贷资金为来源向购房者个人发放的贷款。也称商业个人住房贷款,各银行的贷款名称也不一样,建设银行称为个人住房贷款,工商银行和农业银行称为个人住房担保贷款。
1、先向商业银行提出申请,同时提供相关证明材料;
2、由商业银行凭借款人相关证明材料代借款人向公积金受托银行提出公积金贷款申请;
3、公积金受托银行经审核,书面向借款人承诺公积金贷款可贷额度、期限等,同时通知商业银行;
4、商业银行经审核,书面向借款人承诺商业性贷款额度、期限等。
第一步:签约纳税
签约纳税是贷款买房流程第一步。签订《预售契约》、《买卖合同》;按开发商的具体要求缴纳首付款;与开发商各自按房价款的0.5%的额度缴纳印花税。
第二步:提交申请
贷款买房流程中最繁琐,且最重要的一步,就是提交申请。有别于住房公积金贷款买房,商业贷款买房要按规定填写及提交相关资料。
(1)填写申请资料:
1、《个人住房贷款借款申请表》
2、《个人住房贷款借款合同》
3、《贷款房屋所有权证收押合同》
4、《授权委托书》
5、《承诺书》
6、《谈话记录》
(2)提交申请资料:
1、申请人和配偶的身份证、户口簿、暂住证、结婚证、学历证等相关证明。
2、购房协议书正本
3、申请人家庭收入证明材料和有关资产证明等,包括工资单、个人所得税纳税单、单位开具的收入证明、银行存单等