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以房产证贷款需要什么流程？具体的手续是什么？

以房产证贷款需要什么流程？具体的手续是什么？

浏览：40次 | 提问时间： 07-23 10:32

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3个答案

萌大逗比 07-23 10:33

是的??如果你是按揭贷款买房的话，房管局会有你的抵押登记备案，你的房产证上会被注明他项权被抵押。有的银行会要求你把房产证押在银行，当你的权属份额超过银行后会把房产证还给你，有的银行不押你房产证。

效仿 07-23 10:41

小产权房屋抵押贷款是不行的，因为房屋抵押要有三证即土地证，房产证，契证，你的房屋没有只有房产证，甚至有的连房产证也没有，只有一个村集体的综合土地证，你的房屋土地是集体的，集体的东西你怎么能去抵押贷款呢。

阔别 07-23 10:50

你好，有合同就可以贷款了。按揭买期房都是用合同办贷款。二手房要先办出房产证再过户再贷款。有房本了才可以去信用社和招商银行办理抵押贷款，只有合同是办理不了抵押贷款的。1、和开发公司协商撤销备案，重新签合同，这样你就算买的一手房，可以首付3成，但是如果开发商的大房产证办下来了，再想撤备案就比较难。2、让他办理房产证，你再进行过户，这方法不怎么好，因为他办理房产证的时候需要缴纳契税，你过户的时候也需要交纳契税，这样就交纳了两份的钱，而且你这算二手房按揭，贷款首付比较高!你的房东算按揭出售，手续比较麻烦，建议你采用第一种方式。

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以房产证贷款需要什么流程？具体的手续是什么？

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