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如何根据办贷款流程选择贷款方式?需要什么手续呢_其他_设计456问答
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如何根据办贷款流程选择贷款方式?需要什么手续呢

浏览:52次 | 提问时间: 07-28 05:16
在北京贷款买房,贷款年限越短,还款利息就越少吗?
分享到:
4个答案
意犹 07-28 05:16

组合贷款申请:申请组合贷款,初审手续与公积金贷款相同。初审通过后,借款人到银行办理公积金贷款其它手续时,要按照银行要求填写商业贷款部分的借款申请表并办理有关手续。两部分贷款审批完成后,同时由银行拨付到售房单位帐户。在组合贷款中,公积金贷款和商业贷款的贷款期限、借款日期和还款日期都是相同的,只不过执行不同的利率。组合贷款流程:购买商品房、经济适用住房办理个人住房公积金贷款(组合贷款)的程序可分五步:第一步:到贷款银行提出借款申请借款人持购房合同和开发商售房许可证复印件、身份证、住房公积金储蓄磁卡、印章到各区县的建行房地产信贷部申请住房公积金贷款(使用夫妻双方住房公积金贷款的,还须携带结婚证或其他夫妻关系证明),填写“个人住房公积金贷款(组合)贷款申请书”。第二步:银行审核贷款银行依照借款人提供的资料,考核借款人是否符合贷款条件,计算贷款额度,确定贷款期限。第三步:到贷款银行签订借款合同贷款银行审核借款人的申请后,借款人与银行签订借款合同和抵押合同(不用房屋担保的签订质押合同)。第四步:到产权部门办理贷款担保手续办理住房公积金贷款(组合贷款)有两种担保方式,借款人可以依照自己的实际情况选择其中的任何一种。第五步:办理住房抵押保险手续借款人到产权部门办理完抵押或质押手续后,连同借款合同、抵押合同(质押合同)、房屋他项权证、抵押权证明书等借款资料交贷款银行办理房屋保险手续。第六步:签订还款协议和划款采用储蓄卡代扣方式还款的,借款人到建行储蓄网点办理还款代扣储蓄卡,并与贷款银行签订代扣协议。委托单位代扣还款的,单位与贷款银行签订协议。第七步:银行划款借款人按与贷款银行约定的时间到贷款银行办理领款手续,贷款银行将款项划入售房单位;用于修、建房的贷款,借款人按借款合同支取。

らPrde傲骨 07-28 05:25

工行办理了贷款,想要了解贷款的办理进度应该怎样查询?实际方法是怎样的?为大家做介绍。想要了解工行贷款进度,可按照以下方法进行:
一、网银查询实际流程为:
1、开通工行网银;
2、登陆工行网上银行;
3、进入工行网上贷款模块,进入点击进度查询;
4、查询您所要查询的相关内容;
二、电话查询直接致电工行客服电话,依照语音提示选择,查询贷款进度;
三、客户经理查询与为您办贷款的客户取得联系,查询贷款进度。

一个人的地老天荒 07-28 05:33

可按照以下方法进行:
一、网银查询实际流程为:
1、开通工行网银;
2、登陆工行网上银行;
3、进入工行网上贷款模块,进入点击进度查询;
4、查询您所要查询的相关内容;
二、电话查询直接致电工行客服电话,依照语音提示选择,查询贷款进度;
三、客户经理查询与为您办贷款的客户取得联系,查询贷款进度。

我是壹个平平凡凡的女生 07-28 05:42

可按照以下方法进行:
一、网银查询实际流程为:
1、开通网银;
2、登陆网上银行;
3、进入网上贷款模块,进入点击进度查询;
4、查询您所要查询的相关内容;
二、电话查询直接致电客服电话,依照语音提示选择,查询贷款进度;
三、客户经理查询与为您办贷款的客户取得联系,查询贷款进度。

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