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商铺抵押贷款要哪些手续?流程是什么

浏览:62次 | 提问时间: 07-22 05:32
张家港装修贷款政策是怎样的?想去银行贷款装修,请问一下要办哪些手续啊?
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4个答案
初雪Surname 07-22 05:33

可以办理贷款,不过安置房的预抵押手续要麻烦很多。其他的跟通常银行按揭贷款一样的条件。

矢至 07-22 05:41

商铺按揭是房屋贷款的一种,指以分期偿还本息的方式向银行贷款购买商铺,通常以购买的商铺作为抵押。商铺按揭贷款流程:
1、借款人填写《借款申请书》并提供应该的资料。
2、贷款行对借款人的资信问题和资料进行审查,在三周内正式答复申请人。
3、贷款行同意贷款的,借贷双方签订借款合同,并视贷款担保方式,同时签订抵押合同或质押合同、保证合同。
4、依照国家和当地的法律法规,以及银行的规定,办理房产保险、抵押登记或合同公证等手续,贷款行按照合同约定发放贷款。商铺按揭贷款申请条件:
1、具有合法有效的居留身份。
2、具有购买商铺房的合同或协议。
3、有稳定的职业和收入,信用良好,有按期偿还贷款本息的能力。
4、有至少所购商铺全部价款的20%的购房首付款。
5、同意以所购商铺作为抵押物或提供贷款行认可的资产作为抵押物或质物,或有具备担保资格和足够代偿能力的单位或个人作为偿还贷款本息并承担连带责任人保证人。

枷锁 07-22 05:49

申请人条件①具有合法有效的居留身份;②具有购买商铺房的合同或协议;③有稳定的职业和收入,信用良好,有按期偿还贷款本息的能力;④有至少所购商铺全部价款的20%的购房首付款;⑤同意以所购商铺作为抵押物或提供贷款行认可的资产作为抵押物或质物,或有具备担保资格和足够代偿能力的单位或个人作为偿还贷款本息并承担连带责任人保证人办理流程:
(1)贷款人带齐申请资料,到银行申请店铺抵押贷款;
(2)银行进行贷款调查、审查、审批;
(3)审批通过的,银行在落实放款条件后,按规定程序办理放款手续;
(4)贷款人按合同约定归还贷款本息;
(5)贷款结清后,按银行规定到抵押登记部门办理抵押物登记注销手续。

我曾无药可救想和你在一起 07-22 05:58

商铺抵押贷款申请手续:假如借款人满足上述贷款条件,便可携带有效身份证明、结婚证明,抵押商铺的房产证和土地使用证、评估报告、收入证明等手续,向银行提出贷款申请。

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