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如何办理房产证抵押贷款，有这方面的担保公司吗、？谁知道怎么办理啊

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住房公积金贷款需要担保公司担保吗？我想参考参考。[购房流程]#二手房#购买二手房户口怎么办？有没有网友清楚？5cm泡沫板价格是多少？哪家的报价比较低塑木亭架安装步骤是怎样的？有网友知道吗？铝扣板吊顶质量好的有哪些品牌？知道的给个报价过来木质吸音板多少钱一平方？要不要入手？请教大家日式简约原木风格怎么装修？一般在什么价位？金丝楠木小件一般多少钱？你们觉得怎么样红木花梨沙发一套多少钱？值不值得买？餐厅用实木桌椅多少钱一张？正打算入手。装修好了发现橱柜里好多虫子没办法入住？花钱最多的是什么防腐木室外楼梯的铺设方法谁比较了解？有网友清楚吗？红木玄关隔断一般要卖多少钱？麻烦报个价。生态板装饰纸价格是不是很贵？哪位提供一下。超越暗插矿棉板怎么安装？希望给点建议

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如何办理房产证抵押贷款，有这方面的担保公司吗、？谁知道怎么办理啊

浏览：65次 | 提问时间： 07-28 04:20

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4个答案

不要抹去 07-28 04:21

公积金贷款需要抵押：
1.公积金贷款房产证要抵押到银行。公积金贷款买房，房产证作为抵押物，需贷款还清后才能领龋经担保中心担保的公积金贷款，借款人不需要到房管局领取房产证，由担保中心代领房产证。
2.申请住房公积金贷款是不能办理抵押现有住房的，劳动者可以去办理公积金贷款去买另一套住房。

伱是硪の心傷人 07-28 04:29

公积金贷款买的房子，在办理购房贷款时已经抵押给了公积金管理中心。然后由住房担保公司向公积金管理中心提供担保（叫“反担保”），当贷款人不能按时还款时，担保公司按担保合同的约定、向公积金管理中心履行担保责任。房产证的抵押有两种形式：一是直接将产证抵押给银行；二是房子产权已抵押，房产证在购房人手中，但产证后面的签注栏内注明了“该房产已设定抵押“字样，并在当地的房地产交易中心登记备案。当你用房产证作抵押想再次贷款时，贷款银行（金融机构）将要审核该房子是否抵押、产权是否清晰、有无权益纠纷等。，贷款买的房子，在贷款没有还清、抵押未撤销之前，不能做抵押贷款。

你在我暖 07-28 04:37

按揭房屋抵押贷款担保概念：按揭房屋抵押贷款担保可以通过担保机构(比如中融嘉业(北京)投资担保有限责任公司)，借款人将原有房屋贷款担保还清后，以房屋作为抵押向另外一家银行申请银行抵押贷款担保，可增加贷款担保额度，同时享受更好的银行服务。增加的贷款担保额度可用于创业经营、购房购车、教育装修等各项用途。按揭房屋抵押贷款担保的期限及成数：按揭房屋抵押贷款担保的最短期限是1年，最长可以到10年;而贷款担保金额最高可为房屋评估价的70%。按揭房屋抵押贷款担保银行利率及还款方式：已抵押的房产还可以再次办理房产抵押贷款吗按揭房屋抵押贷款担保银行利率执行同期人民银行规定商业贷款担保利率或适当浮动;而贷款担保期限一年以内的，可选取按月或按季还息，到期一次性还本的还款方式;贷款担保期限一年以上的，可选取按月等本息或等本金方式还款。按揭房屋抵押贷款担保借款人所需条件：按揭房屋抵押贷款担保的借款人首先需具备身份证，年龄在22-65岁的自然人;其次具有稳定职业。稳定收入，能够按期偿付贷款担保本息的能力;再者原有的贷款担保还款情况应该良好

是习惯 07-28 04:46

贷款时抵押的是房产证的原件。房产证抵押贷款后存放：①存放在银行，并标注抵押；②在自己手里，房产证上签注抵押签章；③进行担保抵押贷款的，房产证在担保公司，并标注抵押；④还款后持贷款清偿证明，前往房产部门办理抵押注销。

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