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合肥抵押贷款一般流程是什么？有什么规定呢

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合肥抵押贷款一般流程是什么？有什么规定呢

浏览：38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
韶音若逝 07-22 05:33

假如贷款还清的话肯定是可以再办理抵押贷款的，不过，假如贷款还没有还清，按照国家相关规定，贷款机构是可以在不解除上一笔贷款的情况下，为客户办理二次抵押贷款的。不过，由于各贷款单位的内部要求及房屋管理单位的政策不同，在办理二次抵押贷款时就要看各贷款银行的操作流程及房屋所在房屋管理单位对于房屋二次抵押的管理了。

离歌笑 07-22 05:41

广州房产抵押贷款分“二手房交易贷款”“纯抵押贷款（抵押房屋借钱）”两种。“纯抵押贷款”的话，流程大约是：1向银行提出贷款申请2到房管局办理房屋抵押手续3银行放款从申请到放款，最短1个月，长的话要2个月。还要额外支付贷款金额的1%作为手续费。

怕 07-22 05:49

合肥住房公积金贷款办理流程：
1、借款人通过网上或现场咨询，下载或领取相关表格
2、借款人持相关材料至管理中心业务受理柜面提出贷款申请，符合条件的现场审批并出具书面审批意见。
3、借款人持中心同意贷款的书面审批意见至“一站式服务”银行柜台，进行面谈。通过后，现场草签借款合同。
4、银行通过人行征信系统对借款人、共有权人家庭个人信用情况进行调查，符合条件的交担保公司办理抵押登记手续。不符合的，告知借款人原因及相应具体措施。
5、担保公司办妥抵押登记手续后，向管理中心申请发放贷款。
6、管理中心依照资金使用情况，及时安排贷款发放。

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