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不通过中介怎样自己办理二手房商贷手续流程?需要关注哪些点

浏览:39次 | 提问时间: 07-27 09:21
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4个答案
久居我心 07-27 09:22

首先您假如买一手房,首次购房,个人银行记录良好,那么商业贷款商品房可以贷房款的7成。公积金贷款90以一下可以贷房款的8成,90平以上可以贷房款的七成。假如是二手房贷款成数和条件不变,只是贷款为过户价的7成或8成。贷款假如是一手房会由开发商帮您办理贷款手续,二手房的话比较复杂,假如找中介公司的话也可以帮您办理。现在有好多银行有优惠,就像中国银行北京银行

怪脾气 07-27 09:30

我最近才在天津办理了二手房贷款,给你总结一下流程吧。
1、二手房买卖双方和中介签订三方购房合同。
2、买卖双方和中介凭购房合同到指定银行任一网点填写申请协议,明确交易流程和房款放款时间。
3、买家把钱划入银行专用账户内,银行出具收款单据。银行再与中介定期对账。
4、买卖双方到市房地产交易中心办理交易过户手续。
5、交易过户手续办理后,买卖双方按约定到银行申请放款。

不美不萌又怎样 07-27 09:39

假如符合贷款条件,贷款流程为:
1、先签订购房合同,并缴付购房首付款(在房屋开发商或中介公司处办理);
2、提交贷款申请资料,由房屋开发商(二手房由中介公司)帮公积金管理中心代理贷款手续;
3、公积金管理中心审核并发放贷款,贷款资金直接汇入开发商或中介公司名下。

逗比逗比有人呼叫 07-27 09:47

贷款没有还清的二手房可以进行交易的,只是在交易过户和后期的手续办理的过程中,相对于没有贷款的二手房,程序会复杂一些,通过中介进行办理的话,可以大大降低风险系数。贷款没有还清的二手房进行交易,应该将贷款还清之后才能进行过户,而这部分贷款是由卖家提前还款还是由买方垫付,需要双方协商,假如不能处理好的话,这一系列流程中就很容易产生纠纷。总之,需要先还清的银行贷款后才能交易。

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