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房屋银行按揭贷款的流程是怎样的?有人知道该怎么处理啊_其他_设计456问答
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房屋银行按揭贷款的流程是怎样的?有人知道该怎么处理啊

浏览:54次 | 提问时间: 07-27 08:24
分享到:
4个答案
07-27 08:25

二手房办理按揭贷款购房的实际流程有这些:
1、银行征信调查(去人民银行查买方的征信情况);
2、房屋产权调查(调查房产是否抵押,查封,析产,继承,共有权人情况);
3、向卖方支付定金并预留房屋尾款;
4、房屋过户的同时银行审查贷款条件;
5、银行发放贷款到卖方账户;
6、双方共同去做物业交割
7、向卖方支付尾款。

最好的你 07-27 08:33

题主好,可以的,实际上原则上按揭房的房屋所有权是属于银行的,因此房主其实没有使用其再贷款的权利,不过在同一家银行办理贷款,按揭房也是可以获得一定的贷款的。按揭房再贷款流程:
1.客户提供资料
2.评估房产
3.银行审核资料并办理相关手续
4.赎楼并解押
5.抵押登记
6.重新开始还款

淡陌幽瑟玉琼情殇 07-27 08:41

转让房屋按揭流程:
1、买卖双方签订《房屋买卖合同》;
2、买方、卖方、律师事务所三方签订《转按揭交易安全保证合同》;
3、买方交纳房屋价格30%的首付款(按交易价格与评估价格孰低的原则,一年内免评估,以原购买价为准);
4、卖方的贷款银行书面同意提前一次性还款的确认函(包括所欠资款本息、还款帐号);
5、买方据前述文件及个人资信文件向贷款银行申请二手房按揭贷款(提出贷款申请,律师初审,银行复审);
6、卖方向买方实际交付房屋;
7、银行复审通过后放款,向卖方的银行划款;
8、卖方收到款项后,与原贷款行解除贷款合同和抵押登记,与买方、律师一同办理过户、并且抵押给买方的贷款银行;
9、买方的贷款银行将30%的首付款付给卖方。

心里鬼 07-27 08:49

很多刚需客都会在首次购房时选取小户型房源,总价低并且通过贷款压力不是那么的大!不过呢,当自身情况产生变化时(自行想象)小房子无法再满足。这时候就需要换一套大户型房子。同一个时间段里问题产生,小房子贷款还没还清怎样出售来买大房呢?条件
一:想售卖的房子所剩贷款金额较多时方法
1:向银行申请抵押贷款来还清剩余房贷简单来说,就是通过银行贷款来缴清剩余的房贷。卖家可以依照自己的实际情况,用名下的其他抵押物向银行申请抵押贷款,从而结清房子的按揭贷款。等买家支付放款后再来将银行的抵押贷款还清。这种方法操作起来会有些麻烦,不过对于想要出售有贷款房子的卖家来说,也不是不可行的方法。方法
2:转按揭转按揭是指在借款人出售作为抵押物的房屋,经贷款银行同意,由房屋的购买人继续偿还出售人未到期的贷款。也就是说出售若想有贷款的房子,需要将房子的按揭转给买方,让买方继续偿还卖方的按揭贷款。二手房市场存在同行转按揭和跨行转按揭两种情况。由于买方的资信问题、贷款意愿、月供能力、购房资金安排不尽相同,在转按揭的同时,买方可以依照自身需求申请不同的贷款期限、贷款金额和还款方式。不过这种方法在使用中会受到限制,很多银行的政策对于转按揭办理不尽相同,实际操作中也会少有银行能够办理转按揭业务,由此看来这种方法能够使用的人很少。条件
二:你想售卖的房子所剩贷款金额不高时方法:卖家用买方的首付款来付清剩余贷款通常二手房交易房子的首付可以在房产总成交额的30%至40%这个范围,那么在贷款金额所剩不多的情况下,卖家可以充分的使用买方的首付款来将剩余的房贷还清,然后到银行等相关部门撤销房产的抵押登记,从而进行下一步的买卖交易。这是最常见、是最方便,同时也是最安全的交易办法。PS:转按揭流程解析
1、买卖家签订《房屋买卖合同》;
2、买家、卖家、律师事务所三方签订《转按揭交易安全保证合同》;
3、买家交房子的首付款。
4、卖家的贷款银行书面同意提前一次性还款的确认函(包括欠资款本息、还款帐号);
5、买家据前述文件及个人资信文件向贷款银行申请二手房按揭贷款(提出贷款申请,律师初审,银行复审);
6、卖家交房;
7、银行复审通过后放款,向卖家的银行划款;
8、卖家收到钱后,与原贷款行解除贷款合同和抵押登记,与买家、律师一同办理过户、并且抵押给买家的贷款银行;
9、买家的贷款银行将首付款付给卖家。

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