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售楼小姐和银行有猫腻吗?我的贷款3个月了还没下来!流程怎么走?_其他_设计456问答
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售楼小姐和银行有猫腻吗?我的贷款3个月了还没下来!流程怎么走?

浏览:31次 | 提问时间: 07-28 05:30
售楼小姐和银行有猫腻吗?我的贷款3个月了还没下来!
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3个答案
听说爱情回来过 07-28 05:31

1.没有房产证不是不能贷款,而是不能交易,就是说你不能买。
2.假如是产权证没下来,你可以问一下他是不是已经备案了,假如已经备案了,那么只能等产权证出来才能交易。假如没有备案,那你可以走更名的手续,就是把发票改成你的名字。
3.假如不是商品房,那么没有产权证,是不可能贷款的,由于,银行要用产权证做抵押。期望我的回答可以帮助到您。

当局者 07-28 05:39

房产证还没下来是不能办理抵押贷款,办理房产证抵押贷款流程有这些:
一、所需材料:
1、房产证(房屋抵押银行贷款中房产证、土地证是应该要给银行抵押的)
2、权利人及配偶的身份证
3、权利人及配偶的户口本
4、权利人的婚姻证明(结婚证或民政局开具的未婚证明)
5、收入证明(这个证明对房屋抵押银行贷款的贷款成功情况以及,最高的额度有比较大的影响。)
6、如房产证权利人有未成年儿童,请提供出生证
7、如房产内还有银行贷款,请提供原贷款合同及最后一期的银行对帐单
8、为提高房子抵押贷款通过率,请尽量多的提供家庭其他财产证明,(如另处房产证、股票、基金、现金存折、车辆行驶证等等)
二、办理流程:
1、备齐资料,包括夫妻双方身份证、户口本、结婚证、房产证、购房合同或发票个人账户最近半年的银行流水对账单
2、银行对借款人的贷款申请、购房合同、协议及有关材料进行审查。
3、借款人将抵押房产的产权证书及保险单或有价证券交银行收押。
4、借贷双方担保人签订住房抵押贷款合同并进行公证。
5、贷款合同签订并经公证后,银行对借贷人的存款和贷款通过转帐方式划入购房合同或协议指定的售房单位或建房单位。

褪了风尘 07-28 05:48

还可以。装修贷款可以申请,但你才买的房子不行要还款一两个月了来。前两个月我娘娘申请过建设银行的装修贷款,月息只要3厘4,但自己在银行直接申请不到,银行的人推荐了一家装修贷款担保公司签的担保合同担保协议才能申请,担保公司跟我们说的加担保费综合利息6厘6,保证金5%还有个几百调查评估费。算下来还是比较低。她也是区县户口但房子在南坪四公里的交通银行按揭的二手房还款半年了,户口和区县不影响,但她是老师申请了25万。

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