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问问住房商业按揭有没有指定的担保公司？

问问住房商业按揭有没有指定的担保公司？

浏览：34次 | 提问时间： 07-21 11:55

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5个答案

女汉子何患无夫 07-21 11:55

应该要的，公积金贷款有指定担保公司，就是住房置业担保公司。这一本分是行政体制上的原因，由于公积金管理中心是事业单位，不能进行市场化运做，成立住房置业担保公司进行市场化运做，你的公积金贷款合同是三方主体。当然他们实际是一家。

七兩温柔 07-21 12:04

房屋抵押贷款是可以自己找银行办理的，银行房屋抵押贷款放款时间通常在一个月上下。有担保公司的话，申请会比较容易一些，另外对于借款主体资质较好而抵押物不足值时，可以通过担保公司担保的方式向银行申请贷款。有担保业务的介入就是产生担保费用，通常为贷款额度的1%-3%之间，看你个人情况决定。

别走远 07-21 12:12

办理房屋贷款后产权归谁？据小编了解，现在我国大陆地区的法律、行政法规及部门规章始终没有对按揭一词做出界定，实践中的按揭实际上是冠按揭之名。房屋贷款后产权归谁，其主要表现有这些：
1、从法律法规规定上来看，我国的按揭实质就是抵押。对于现房按揭，就是指现房抵押，直接适用担保法及其司法解释关于房地产抵押的有关规定。对于期房按揭，《城市房地产抵押管理办法》将其称为“预购（预售）商品房抵押”。
2、从司法解释上来看，个人住房按揭贷款实际是指个人住房担保贷款。2003年6月1日起施行的《最高人民法院关于审理商品房买卖合同纠纷案件适用法律若干问题的解释》明确提出了商品房担保贷款合同的概念，从该司法解释第23条、第24条、第25条关于商品房买卖合同与商品房担保贷款合同的相互制约关系上来推理，个人住房担保贷款与个人住房按揭贷款具有相同涵义。
3、从法律主体上看，具有多个法律主体。房屋按揭贷款中，包括借款人（即购房者）、开发商和贷款银行三个最基本的法律主体。
4、从法律关系上看，具有多层法律关系。房屋按揭贷款包括三个基本法律关系，即开发商与借款人之间的房屋买卖法律关系、借款人与贷款银行之间的借款合同法律关系和借款人与贷款银行之间的抵押合同法律关系。另外，还可能存在以下法律关系：在预售阶段开发商为保证借款人清偿贷款而与贷款银行之间产生的保证合同法律关系；借款人按贷款银行指定的险种向保险公司办理保险而产生的保险关系；开发商在借款人不能按约定向贷款银行偿付本息时按原房价的一定比例回购房屋而产生的房屋回购关系。

starry星空 07-21 12:20

题主好，在银行办理住房按揭贷款需要缴纳的费用有这些：工本费：100元；公证费：300-600元；评估费：千分之1.5到千分之3；其他就没有了，假如是在担保公司办理的话需要给担保费。

shne发光 07-21 12:29

这是深发展所须的资料及费用这还的看你所在的地区,这个地区有没有贷款业务,有没有转按揭的业务.转按揭贷款
一、流程
1.撰件---------交件------评估-----面签-----审批------平贷------房管局进件------出他项------放款面签（本人及配偶及担保人应该同时去面签）时需带材料：本人及配偶及担保人的产权证（土地证）、身份证、户口本、结婚证、手章、暂住证原件，本人二套房产原件、个人帐户流水明细（或如一次性的购车合同等其他能增加借款人资信度的东西同时提供），担保人名下住房产权证原件或留宿人的产权证、身份证、户口本原件。
2.转按揭贷款（平转）：平转是指按原房产评估价值在新经办银行申请按揭贷款，贷款额度不变.评估费：评估价0.5%
2、担保费：贷款额对应贷款年限系数
3、征信调查费：
4、律师见证费：
5、登记费：80元
6、保证金（担保公司征信调查时收取**退还）一个月的月还款额。贷款需提供的资料：
1、贷款房屋的产权证原件。
2、借款人及共还人（配偶）的身份证复印件、户口本复印件、结婚证复印件。
3、借款人及共还人（配偶）的收入证明原件，收入证明为月还款的2倍。
4、贷款用途的证明资料，放款后需提供正式购房、购车、装修的合同及发票。
5、转按揭（平转）不需提供二套住房或亲属留宿声明。转加按揭需提供二套住房或留宿声明，留宿住房人均面积大于7平米。二套住房提供产权证、亲属留宿声明提供身份证、户口本、产权证。
6、借款人为自雇人士：公司营业执照、法人代码证、公司验资报告、法人代表证明、公司近3个月会计报表、公司近3个月银行帐户流水、上年度审计报告、纳税证明、公司章程，以上资料的原件及复印件。

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