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哪位知道按揭付款买房的流程？需要注意哪些细节

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哪位知道按揭付款买房的流程？需要注意哪些细节

浏览：81次 | 提问时间： 07-27 08:24

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3个答案

坚强的泡沫 07-27 08:25

按正常流程来说应该在过户当天给卖方。既然问题中说道首付，那应该就是按揭买房。流程有这些：
1、签定合同，买方把定金给卖方；
2、向银行申请贷款，审核通过后，去过户；
3、过户当天，先验资，确定买方支付首付款能力，再过户，过户后买方将首付款给卖方；
4、领取新证后，在房管所做抵押登记，再将房产证送回银行抵押，等待银行放款给卖方。

杂七 07-27 08:33

你好!很开心回答你的问题，有在网上帮你查阅相关资料请你参照：首先你要明白二套房的定义：夫妻双方有一方有过银行按揭房贷，无论有没有还清房贷都算二套房。首40%,利率在基准利率上上浮10%营业税由两年变成五年复位的意思。2010年1月1日起，个人将购买不足5年的非普通住房对外销售的，全额征收营业税；个人将购买超过5年（含5年）的非普通住房或者不足5年的普通住房对外销售的，按照其销售收入减去购买房屋的价款后的差额征收营业税；个人将购买超过5年（含5年）的普通住房对外销售的，免征营业税。对于夫妻双方没有银行按揭房贷的记录，有还款能力，首付款可以是20%对于楼主需要提醒的是房子过户的流程以及费用，而不像你想象2年可免费转名现在是不是变成5年了那样简单的。有啥问题在谁时交流吧。

哭泣给谁看 07-27 08:41

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