array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(54) "好心人回答下亿田集成灶尺寸具体有什么" ["inlink"] => int(0) ["addtime"] => string(10) "1599534201" ["tagid"] => int(1235045) ["id"] => string(7) "1235045" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952221306912) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1235045" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1235045" } [1] => array(11) { ["tagname"] => string(18) "房贷按揭流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(500406) ["id"] => string(6) "500406" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927752785955) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/500406" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/500406" } [2] => array(11) { ["tagname"] => string(21) "按揭房贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(506443) ["id"] => string(6) "506443" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927927898123) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/506443" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/506443" } [3] => array(11) { ["tagname"] => string(18) "按揭房贷流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923399" ["tagid"] => int(843902) ["id"] => string(6) "843902" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503939587014669) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/843902" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/843902" } [4] => array(11) { ["tagname"] => string(24) "按揭买房贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924155" ["tagid"] => int(983135) ["id"] => string(6) "983135" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943578943501) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/983135" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/983135" } [5] => array(11) { ["tagname"] => string(24) "办理按揭房贷流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924352" ["tagid"] => int(1012943) ["id"] => string(7) "1012943" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944409415702) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1012943" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1012943" } [6] => array(11) { ["tagname"] => string(30) "银行办理按揭房贷流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371456" ["tagid"] => int(471887) ["id"] => string(6) "471887" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503926919168009) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/471887" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/471887" } [7] => array(11) { ["tagname"] => string(24) "银行按揭房贷流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924443" ["tagid"] => int(1033177) ["id"] => string(7) "1033177" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503945024929822) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1033177" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1033177" } [8] => array(11) { ["tagname"] => string(24) "银行房贷按揭流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(864971) ["id"] => string(6) "864971" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940176314376) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/864971" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/864971" } [9] => array(11) { ["tagname"] => string(24) "建行房贷按揭流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(869654) ["id"] => string(6) "869654" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940311580697) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/869654" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/869654" } [10] => array(11) { ["tagname"] => string(24) "建行房贷按揭流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(869655) ["id"] => string(6) "869655" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940311580698) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/869655" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/869655" } [11] => array(11) { ["tagname"] => string(57) "好心人回答下上海九亭洗衣机维修点有什么" ["inlink"] => int(0) ["addtime"] => string(10) "1599534201" ["tagid"] => int(1235813) ["id"] => string(7) "1235813" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952246472718) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1235813" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1235813" } [12] => array(11) { ["tagname"] => string(24) "房贷按揭计算器下" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(991710) ["id"] => string(6) "991710" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943820115987) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/991710" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/991710" } [13] => array(11) { ["tagname"] => string(51) "好心人回答下兄弟打印机不能打印咋办" ["inlink"] => int(0) ["addtime"] => string(10) "1599534201" ["tagid"] => int(1235814) ["id"] => string(7) "1235814" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952246472719) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1235814" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1235814" } [14] => array(11) { ["tagname"] => string(48) "好心人回答下松下空气净化器机咋样" ["inlink"] => int(0) ["addtime"] => string(10) "1599534201" ["tagid"] => int(1235816) ["id"] => string(7) "1235816" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952246472721) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1235816" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1235816" } [15] => array(11) { ["tagname"] => string(54) "好心人回答下迷你洗衣机脱水功能怎么样" ["inlink"] => int(0) ["addtime"] => string(10) "1599534201" ["tagid"] => int(1235694) ["id"] => string(7) "1235694" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952242278419) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1235694" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1235694" } [16] => array(11) { ["tagname"] => string(24) "二手房贷按揭流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924352" ["tagid"] => int(1016134) ["id"] => string(7) "1016134" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944498544641) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1016134" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1016134" } [17] => array(11) { ["tagname"] => string(30) "回答下苏泊尔刀具咋样" ["inlink"] => int(0) ["addtime"] => string(10) "1599534201" ["tagid"] => int(1233629) ["id"] => string(7) "1233629" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503952174120985) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1233629" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1233629" } [18] => array(11) { ["tagname"] => string(30) "一手房按揭房贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371456" ["tagid"] => int(472343) ["id"] => string(6) "472343" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503926931750939) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/472343" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/472343" } [19] => array(11) { ["tagname"] => string(30) "按揭买二手房贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(877169) ["id"] => string(6) "877169" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940521295889) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/877169" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/877169" } } ["counts"] => int(68254) ["pagecount"] => float(3413) }

当前位置：首页>

装修问答

其他

好心人回答下房贷按揭流程有什么

好心人回答下房贷按揭流程有什么

浏览：45次 | 提问时间： 06-19 04:08

分享到：

2个答案

鹿吟成糜 06-19 04:09

申请借款人到委托人处填报借款申请表，并提供以下材料：1.本人户口本、身份证或其他有效居留证明；2.购房合同或意向书等有关证明文件；3.借款人所在单位同意贷款的信函；4.委托人要求提供的其他材料。二、初审委托人对申请进行初审，初审内容包括：1.核验借款人申请表；2.核定贷款额度和期限；3.确定贷款担保方式。三、调查委托人初审合格后，受托人对贷款进行调查，并提出调查意见。调查内容包括：1.购房行为是否合法；2.抵押物或质押物是否符合要求；3.收入情况，是否具有偿还本息的能力；4.有保证人的，保证人的意愿以及是否具有保证资格。其中，需进行抵押物审核评估的，由北京市住房资金管理中心认定的评估机构对抵押物进行审核评估，并出具报告送受托人。四、审批和签订委托合同委托人根据受托人提出的调查意见，对贷款进行审批，审批同意，委托人与受托人签订委托合同，然后由委托人签发委托贷款通知单。五、签订借款合同根据委托合同，受托人与借款人签订借款合同及相关合同。1.采取抵押加保证担保的，须订立抵押合同和保证合同；2.采取抵押担保同时购买购房综合保险的须订立抵押合同和保险合同；3.采取质押担保的，须订立质押合同；4.采取连带责任保证担保的，须订立连带责任保证合同。以所购买住房为抵押物但未办妥《房屋所有权证》的，在订立抵押合同前签订《房屋所有权证收押合同》。抵押合同或质押合同订立后，需要登记的，依法办理抵押物或质押物的登记。六、划拨贷款借款合同生效后，委托人将资金划入贷款基金户，再由受托人按借款合同拨付。

记忆加温 06-19 04:17

1.选择房产购房者如果想获得房屋的按揭服务，在选择房产时，应着重了解这方面的内容。在广告中或通过销售人员的介绍，购房者得知一些项目可以办理按揭贷款时，还应进一步确认发展商开发建设的房产是否已获得银行的支持，以保证按银行揭贷款流程的顺利。2.办理按揭贷款申请在确认自己选择的房产得到银行按揭支持后，购房者应向银行或银行指定的律师事务所了解银行关于购房者获得按揭贷款支持的规定，准备有关法律文件，填报《按揭贷款申请书》。3.银行审查银行受理购房者贷款申请后，要从民事主体资格、资信状况、还款能力等方面对购房者进行资格审查，以确认是否符合规定条件。如果在未取得银行按揭贷款支持确认的情况下，购房者盲目地与发展商签订购房合同，在不符合银行条件时，就无法获得按揭贷款，会造成资金外的被动，被迫选择其他付款方式，从而影响自己的资金安排，甚至放弃购房，造成定金的损失。4.签订购房合同银行收到购房者递交的按揭申请和有关法律文件，经审查确认购房者符合按揭贷款的条件后，发给购房者同意贷款通知或按揭贷款承诺书。购房者即可与发展商或其代理商签订《商品房预售、销售合同》。5.签订楼宇按揭合同购房者在签订购房合同，并取得交纳房款的凭证后，持银行规定的有关法律文件与发展商和银行签订《楼宇按揭抵押贷款合同》，明确按揭贷款数额、年期、利率、还款方式及其他权利义务。6.办理抵押登记、保险购房者、发展商和银行持《楼宇按揭抵押贷款合同》及购房合同到房地产管理部门办理抵押登记备案手续。对期房，在竣工后应办理变更抵押登记。通常情况下，由于按揭贷款期间相对较长，银行为防范贷款风险，要求置业者申请人寿、财产保险。置业者购买保险，应列明银行为第一受益人，在贷款履行期内不得中断保险，保险金额不得少于抵押物的总价值。在贷款本息还清之前，保险单交由银行保管。7.开立专门还款账户置业者在签订《楼宇按揭抵押贷款合同》后，按合同约定，应在银行指定的金融机构开立专门还款账户，并签订授权书，授权该机构从该账户中支付银行与按揭贷款合同有关的贷款本息和欠款。银行在确认置业者符合按揭贷款条件，履行《楼宇按揭抵押贷款合同》约定义务，并办理相关手续后，一次性将该贷款划入发展商在银行开设的银行监管账户，作为置业者的购房款。

装修问答

其他

好心人回答下房贷按揭流程有什么

最新问题

相关搜索

最新推荐

好心人回答下房贷按揭流程有什么