array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(21) "按揭买车麻烦吗" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(906743) ["id"] => string(6) "906743" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941405245476) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/906743" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/906743" } [1] => array(11) { ["tagname"] => string(69) "请问的水管品牌有哪些，有谁比较了解可以说一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1212886) ["id"] => string(7) "1212886" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951434874895) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1212886" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1212886" } [2] => array(11) { ["tagname"] => string(81) "请问北京疏通管道方法有哪些，有谁比较了解可以推荐一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1221681) ["id"] => string(7) "1221681" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951735816208) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1221681" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1221681" } [3] => array(11) { ["tagname"] => string(27) "商品房按揭贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371558" ["tagid"] => int(481795) ["id"] => string(6) "481795" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927204380708) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/481795" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/481795" } [4] => array(11) { ["tagname"] => string(48) "谁可以说一下商品房无按揭什么意思" ["inlink"] => int(0) ["addtime"] => string(10) "1608597460" ["tagid"] => int(7631093) ["id"] => string(7) "7631093" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504170103865356) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/7631093" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/7631093" } [5] => array(11) { ["tagname"] => string(72) "请问装修合同猫腻有哪些，有谁比较了解可以说一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1210744) ["id"] => string(7) "1210744" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951358328837) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1210744" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1210744" } [6] => array(11) { ["tagname"] => string(48) "沈阳英派橱柜店地址麻烦大家告知下" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1229535) ["id"] => string(7) "1229535" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952006348808) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1229535" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1229535" } [7] => array(11) { ["tagname"] => string(81) "请问水管施压的注意事项有哪些，有谁比较了解可以说一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1212797) ["id"] => string(7) "1212797" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951431729169) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1212797" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1212797" } [8] => array(11) { ["tagname"] => string(75) "请问交房的注意事项有哪些，有谁比较了解可以说一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1213125) ["id"] => string(7) "1213125" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951443263497) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1213125" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1213125" } [9] => array(11) { ["tagname"] => string(66) "别墅客厅水晶灯价格谁比较了解麻烦具体说一下。" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1208604) ["id"] => string(7) "1208604" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951284928519) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1208604" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1208604" } [10] => array(11) { ["tagname"] => string(78) "请问维修水龙头的步骤有哪些，有谁比较了解可以说一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1215230) ["id"] => string(7) "1215230" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951514566685) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1215230" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1215230" } [11] => array(11) { ["tagname"] => string(72) "请问验房要注意什么，有谁比较了解可以具体说一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1211562) ["id"] => string(7) "1211562" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951388737539) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1211562" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1211562" } [12] => array(11) { ["tagname"] => string(72) "请问交房应该注意什么，有谁比较了解可以介绍一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1211606) ["id"] => string(7) "1211606" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951389786130) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1211606" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1211606" } [13] => array(11) { ["tagname"] => string(36) "请问家具怎样保养，麻烦吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1208863) ["id"] => string(7) "1208863" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951294365702) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1208863" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1208863" } [14] => array(11) { ["tagname"] => string(78) "请问新房收楼注意事项有哪些，有谁比较了解可以说一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1213226) ["id"] => string(7) "1213226" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951446409234) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1213226" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1213226" } [15] => array(11) { ["tagname"] => string(84) "请问外脚手架搭设规范有哪些要求，有谁比较了解可以说一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1215421) ["id"] => string(7) "1215421" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951521906704) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1215421" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1215421" } [16] => array(11) { ["tagname"] => string(57) "请问新房装修流程谁比较了解啊能教教我吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1213291) ["id"] => string(7) "1213291" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951448506393) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1213291" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1213291" } [17] => array(11) { ["tagname"] => string(75) "请问收房时要交哪些费用，有谁比较了解可以介绍一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1213198) ["id"] => string(7) "1213198" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951445360660) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1213198" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1213198" } [18] => array(11) { ["tagname"] => string(84) "请问验房注意事项及细节都有哪些，有谁比较了解可以说一下吗" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1213151) ["id"] => string(7) "1213151" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951444312067) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1213151" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1213151" } [19] => array(11) { ["tagname"] => string(84) "商品房预售许可证办理流程有哪些步骤能说说吗麻烦详细说说。" ["inlink"] => int(0) ["addtime"] => string(10) "1599534137" ["tagid"] => int(1224311) ["id"] => string(7) "1224311" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951828090890) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1224311" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1224311" } } ["counts"] => int(373636) ["pagecount"] => float(18682) }

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请问商品房按揭流程有哪些谁了解吗？麻烦告知下。

请问商品房按揭流程有哪些谁了解吗？麻烦告知下。

浏览：25次 | 提问时间： 07-22 11:33

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我多余 07-22 11:42

一、商品房按揭主体有哪些商品房按揭一般是指不能或不愿一次性支付房款的按揭购房借贷人将其与开发商已签订之商品房预售或销售合同项下的所有权益作为向商业银行贷款的担保。按揭需有三方主体：购房借贷人、开发商与银行。在开发商负责为购房借贷人办理完成房地产权证过户手续，为银行与购房借贷人办理完成正式的抵押登记，并将购房借贷人的房地产权证交银行收押之前，开发商需为购房借贷人向银行贷款提供阶段性担保，购房借贷人与银行之间，不是真正意义上的抵押关系。二、如何进行商品房按揭商品房按揭的流程如下：（一）开发商选定银行，并与银行签订按揭贷款合作协议书，银行承诺在特定条件下向开发商的客户（购房借贷人）提供贷款，同时开发商向银行提供保证担保。（二）购房人选定欲购买的商品房，与开发商签订商品房预售或销售合同。其中约定采取向开发商选定的银行申请按揭贷款的方式付款的，购房人需向开发商支付购房首付款。（三））银行委托律师或自行对购房合同、购房借贷人贷款资格主要是个人资信予以审查。（四）购房借贷人、开发商与银行签订按揭保证贷款合同。（五）银行占管商品房预售或销售合同，并办理按揭备案。（六）银行一次性向开发商支付购房借贷人的贷款。（七）购房借贷人依约按月向银行交纳贷款本息。（八）开发商负责将购房借贷人《房屋所有权证》和《土地使用权证》交银行收押并办理正式的抵押登记。

轉身之後冰冷的笑 07-22 11:50

你好，对于很多新房主来说收房是一件大事，毛坯房收房是个很关键的一步，收房关系以后生活的质量问题。所以，请大家要重视这一流程。不要因为拿到钥匙时忘了做这一步，那日后有问题就要自己担作任了，所以这一步千万不能少。那么大家知道商品房交房标准是什么?商品房符合哪些条件才能交房吗?下面来介绍下以便大家了解交房事项。商品房交房是对开发商的一次大考，在房屋交付过程中开发商应该遵循商品房交房标准来交付房屋，而购房者可以查验房屋是否达到了交房标准。根据商品房交付标准约定，开发商必须出示交房必备的两书《住宅质量保证书》和《住宅使用说明书》。商品房交房标准：预售房交付的标志的主要法律文书：(1)以挂号信件送达的或直接送达的通知预购人验收交接的书面文书;(2)交付住宅商品房的，一并送达《住宅质量保证书》和《住宅使用说明书》;(3)预购人签署的预售商品房验收确认书;(4)预购人签署收取预售商品房钥匙的登记。商品房交房条件：长期以来，我国大多数省市，商品房交易中对交房条件的界定比较模糊，主要以买卖双方签订的购房合同约定的条件为准。有的开发商为了赶工期，往往不顾房屋质量和配套设施是否齐全便仓促交付，使购房者的权益不能得到有效保障。但通常房地产开发企业交付预售住宅商品房，应当符合下列条件：1、法定条件-建设工程经验收合格;向购房人提供住宅质量保证书和住宅使用说明书;2、约定条件-达到预售合同约定的其它交付条件。而根据《建设工程质量管理条例》第十六条规定，建设工程竣工验收又应当具备下列条件：(一)完成建设工程设计和合同约定的各项内容;(二)有完整的技术档案和施工管理资料;(三)有工程使用的主要建筑材料、建筑构配件和设备的进场试验报告;(四)有勘察、设计、施工、工程监理等单位分别签署的质量合格文件;(五)有施工单位签署的工程保修书。另《消防法》规定：建筑工程竣工时，经消防验收合格，方可投人使用。建筑工程竣工时，建设单位应当向公安消防机构提出消防验收申请，设有建筑自动消防设施的建筑工程，还应当同时提交建筑消防设施技术测试报告，并组织消防验收。消防验收不合格的，施工单位不得交工，建筑物的所有者不得接收使用。以上是关于交房标准的一些相关知识就介绍到这，项目比较多，但是朋友们一定要细心，避免后期自己要整改。这边友情提示一下：你找验房师要找做得比较专业，这也才会验得比较好，大概就是这样了，以上操作步骤可供参考哦，如果觉得给力的话竖个大拇指呗，以后我会更用心作答的哟，祝你生活愉快。

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