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房屋按揭贷款流程是怎样的？哪位知道该如何计算啊

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房屋按揭贷款流程是怎样的？哪位知道该如何计算啊

浏览：28次 | 提问时间： 07-22 05:32
合肥抵押贷款流程是什么的？请问在合肥哪家银行贷款是比较好的
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3个答案
孤独成性 07-22 05:33

流程
1：确定按揭服务公司和贷款方案借款人在办理贷款前首先需要与中介确定按揭服务公司，并向按揭服务公司提出贷款咨询，确定贷款方案。流程
2：查询公积金(如需公积金贷款)与卖方确定购房意向后，借款人提供公积金帐号，由按揭服务公司进行公积金查询，确定可贷款的金额和贷款年限。流程
3：签定房屋买卖合同借款人与卖方签定房屋买卖合同。由于交易中心要求不同，江岸、江汉、桥口、洪山等区的房屋，需在合同签好后到所在区域的交易中心办理房屋过户。流程
4：准备贷款资料，审核贷款资质按揭服务公司协助借款人按照银行要求准备贷款资料，有的房屋需要由指定的评估公司进行房价评估；并且由按揭服务公司进行初步审核。流程
5：签贷款协议，公证，保险按揭服务公司将初审后的贷款资料交贷款银行审核，通过后，按揭服务公司将安排借款人与银行签定贷款协议和办理协议公证，同时收取费用，包括房屋保险费等。流程
6：办理房屋过户和抵押手续借款人到房屋所在区的交易中心办理房屋过户和抵押手续，并将抵押收件收据通过按揭服务公司交贷款银行。流程
7：办理房产证和抵押证明贷款人的房产证和他项权利证明办出后，按揭服务公司将您的产证复印件和他项权利证明原件交银行。流程
8：银行放款银行在收到借款人的以上两证后，按揭服务公司将所贷金额发放给借款人。

不再相识 07-22 05:41

假如是房贷按揭流程，第一步：准备按揭资料申请按揭；第二步：评估公司评估物业，等银行出同意贷款书，第三步：安排房屋交易中心过户，第四步：出新证，入押，第五步：放款，拿房产证原件，

别勉强啊 07-22 05:50

安徽房屋贷款利率年利率在4%上下。按揭买房办理贷款流程有这些：借款人在办理贷款前，请查明所购楼宇是否有银行提供个人住房按揭贷款地方承诺书，然后，借款人申请个人住房按揭贷款，填写《贷款申请审批表》

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