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房产证抵押流程是怎样的？有网友清楚吗？

房产证抵押流程是怎样的？有网友清楚吗？

浏览：33次 | 提问时间： 07-28 05:25

请问广东省居住证申请表怎么写，求份范本

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2个答案

不懂 07-28 05:25

流程有这些：
1：房产证添名字有流程，购房人拿到的房产证将可自愿并免费设立密码，房屋如需办理转让、变更、抵押等登记业务时，须提供密码才可办理。
2：首先看这套房子贷款是否还完，假如还完了，就很简单，拿上身份证户口本结婚证，夫妻双方到房产交易中心去办理，需要几十块手续费。
3：假如贷款没还完，会比较麻烦，由于减名字房产证要换掉，房产证号也会变，相应的，在银行的抵押证也要变，这样就要去银行开证明，还要向银行申请变更抵押人。
4：银行同意后再去交易中心办理。假如是其余关系,视同买卖或赠与.需要交契税\\\\\\\\营业税\\\\\\\\印花税等等。

胸不平何以平天下 07-28 05:34

各地还不大一样呢现在房管局都不抵押房产证了，而是在抵押科以房屋他项权证作抵押，房产证业主可以拿到，但上面盖得有“此方已抵押”，即不能用来贷款。办理房产证主要流程：
1、开发商先到房管局办理“产权备案表“，
2、集中给业主办理（集中办理批量大不可能10天办下来）也可选择个人办理，一个月内可以办好，有熟人的话1个礼拜也可搞定

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