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求助一下垫资买房的流程是怎样的？哪位能说说看？_其他_设计456问答
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求助一下垫资买房的流程是怎样的？哪位能说说看？

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求助一下垫资买房的流程是怎样的？哪位能说说看？

浏览：48次 | 提问时间： 07-27 09:00
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4个答案
别总说梦想遥不可及 07-27 09:01

可以做买房垫资，先买房子在做贷款，指购房人以在住房交易的楼宇作抵押，向银行申请贷款，用于支付购房款，再由购房人分期向银行还本付息的贷款业务。贷款买房需由购房者向银行填报房屋抵押贷款的申请，并提供合法文件如身份证、收入证明、房屋买卖合同、担保书等所规定应该提交的证明文件。

吻安 07-27 09:10

零首付买房就是开发商垫资首付买房的行为，虽然短时间内能够缓解购房者的资金压力，不过同一时间内购房者既要偿还月供，又要承担剩余首付款，经济压力也是巨大的。个人觉得绿地海外滩不错，在湘江北路和月亮岛大桥交汇处，离武广高铁非常近，位置很好。

藤 07-27 09:18

房产垫资有这些：
1、买房前：房子还没到手，首付都不够。(需抵押，公证)
2、过户后：已经有房本了，尾款付卖家。(需抵押，公证)
3、批贷后(同消费贷款)：银行已经批贷，准备用贷款来还所垫资金。(有/无抵押，有公证)
4、出他项后(同消费贷款)：他项已经返回银行，准备放款。(无抵押，有公证)
由于时间节点不同，出借人承受的风险不同，带来的收益也不同，衡量借款人是否优质，不仅是要看抵押物，还要看借款人是否有还款能力，从买房这个业务来说，借款人的还款能力来自于是否愿意贷款及银行是否愿意放贷。

别对我假心假意 07-27 09:26

按揭中的房子是不能抵押贷款的。不过你应该找垫资公司为你垫资,将你的房子赎出来,然后再个垫资公司的钱,这样,你就有现金了。

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