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请问，用房产证贷款有哪些流程？具体步骤能说说吗？

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咨询下农村房产证补办流程要走哪些？要到哪里办理？青岛办理房产证要准备哪些材料？办理的流程是什么？贷款买房房产证名字可以增加配偶的吗？需要什么费用？房产证上加配偶名字费用哪位知道是多少？谢谢房产证装修哪个先做比较好？有什么注意事项啊？关于农村房产证的办理流程哪位清楚？需要什么费用？房产证去掉名字费用一般是多少？需要什么流程呢？有谁熟悉婚后房产证办理流程？需要的费用谁知道？不知道有没有人了解房产证赠与费用大概多少啊？谁知道单位房产证过户怎么办理？需要多少费用？请问还完贷款房产证如何办理？需要什么费用呢？预售楼许可证如何办理？具体流程有哪些啊？哪位朋友知道补房产证需要多长时间？大概需要什么费用？有房产证办土地证中间流程是什么？需要的费用谁知道？山东省办房产证费用通常会包括哪些？需要什么费用呢？

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用房产证能贷款吗请问没房产证能贷款吗用房产证可以贷款吗用房子能贷款吗用房产证抵押贷款能贷多少用房产证抵押可以贷款吗请问房产证办理流程有哪些房产证能贷款吗用房产证贷款能用房产证抵押贷款吗可以用房产证贷款吗农村房产证能贷款吗没房产证能贷款吗房产证抵押能贷款吗拿房产证能贷款吗房产证丢了能贷款吗假房产证能贷款吗经济适用房能贷款吗贷款房产证办理流程有哪些用房产证如何贷款

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请问，用房产证贷款有哪些流程？具体步骤能说说吗？

浏览：79次 | 提问时间： 07-23 10:30

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3个答案

似梦似幻 07-23 10:31

1、在贷款到期日时的实际年龄一般不超过65周岁。2、有正当职业和稳定的收入来源，具备按期偿还贷款本息的能力。3、愿意并能够提供贷款人认可的房产抵押;房产共有人认可其有关借款及担保行为，并愿意承担相关法律责任。4、所抵押房屋的产权要明晰，符合国家规定的上市交易条件，可进入5、所抵押房屋未列入当地城市改造拆迁规划，并有房产部门、土地管理部门核发的房产证和土地证。6、抵押物所有人可以是借款人本人或他人。以他人所有的房产做抵押的，抵押人必须出具同意借款人以其房产作为抵押申请贷款的书面承诺，并要求抵押人及其配偶或其他房产共有权人签字。相关知识延伸阅读：无法办理房产抵押贷款的房屋类型是哪些一、贷款尚未结清的房产房产抵押贷款的房产抵押物必需是没有任何抵押且无贷款的房产。如果房产已经抵押或者此房产还处于按揭状态当中，银行已经拥有此房产的他项权利，借款人再对此房产进行抵押，银行是不能办理的。因为两家银行无法同时拥有一处房产的他项权利。二、部分已购公房已购公房中有两种情况不能办理房产抵押贷款：一是无法提供购房合同或协议的已购公房，因为有的购房合同会写有原单位有优先购买权的条款，银行无法取得他项权利，所以银行也无法操作此套房产抵押贷款;另一种是已购公房中不能提供央产房上市证明的央产房，这样的房产不能够上市进行交易，也就无法操作该项业务。三、未满五年的经济适用房根据目前国家的政策，未满五年的经济适用房是不允许上市交易的，同样无法办理房产抵押贷款。拆迁房一般按经济适用房管理。四、未取得房产证的小产权房如果居住人没有取得小产权房产的房产证，对房产只有使用权而没有所有权。没有此套房产的所有权证书，这类房产就不能上市交易，无法办理抵押手续，更不能办理房产抵押贷款。

感情沉默 07-23 10:39

使用权肯定可以抵押的，就像买了房子有了房产证，用房子来抵押贷款一样。

Sweetソ尛晴天づ 07-23 10:47

请问你拿到房产证的这套房子有没有贷款？如果这套房子是贷款买的，而且贷款还没有还清，那么这个房产证不能贷款。如果这套房子没有贷款，或者贷过款但已经还清，这样的话可以抵押房产证做“消费贷款”。各银行的政策不大一致，但基本是这样的：可贷房子评估价值的70%以下，最多不超过10万，且要说明贷款的用途，银行会跟踪贷款的用项。贷款不可用于再买房。贷款利率上浮10%--20%不等。

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