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房子按揭房产证办理流程是怎样的？是否要还清贷款才能拿到房产证？_其他_设计456问答
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房子按揭房产证办理流程是怎样的？是否要还清贷款才能拿到房产证？

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房子按揭房产证办理流程是怎样的？是否要还清贷款才能拿到房产证？

浏览：30次 | 提问时间： 07-23 10:32
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3个答案
我穷得只剩下作业 07-23 10:33

一般情况下，房子如果只有购房合同是不可以办理抵押贷款。要用房子办理房产抵押贷款，要求房子有房产证才可以办理房产抵押贷款，如果没有房产证，一般不可以办理房产抵押贷款。不过，既然房子是按揭房，没有房产证的情况下，可以到银行申请按揭二次抵押贷款。不过办理这种贷款，要求办理房屋按揭贷款的银行有这项业务，同时要求申请人的房屋按揭贷款已经按时还款满两年以上，房子有一定的抵押价值才可以办理。

绘几行路人 07-23 10:41

按揭贷款房产证领取流程1、按揭购房的房产证一般按照房屋买卖合同规定由发展商负责办理；2、房产证办出来后，原件通常押在银行：3、等借款人还清银行贷款后就可以从银行拿回房产证；4、拿证的时候还要让银行解除抵押登记

怨不得人 07-23 10:50

分两种情况，一种是可以过户的情况，如房产证可以办理正常的过户流程，在房产证过户流程完成后，凭新领取的房产证直接到土地局办理土地证即可；另外一种情况是无法办理正常的房产证过户，如果是这种情况，因多种原因，是无法办理土地证的，这样的房子，不可以购买！

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