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二手房抵押借款合同正常流程是怎样的？

二手房抵押借款合同正常流程是怎样的？

浏览：50次 | 提问时间： 08-03 08:08

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我狠矫情つ 08-03 08:09

二手房抵押贷款流程共分三步，具体如下：一、*双方签订购房合同并支付首付款后，到银行提出贷款申请。填写贷款申请表（如果已婚，须夫*双方一起前来，未婚，可单独前来），中心工作人员经过审批通过后，出具《贷款承诺书》，作为购房者办理贷款手续的依据。二、凭*原件领借款合同的贷款支付凭证回单，所需经过的流程为：受理柜（受理贷款申请）——保险柜（办理保险）——签约柜（签订借款合同）——公证柜（办理合同公证）——签约柜（领取贷款合同）。三、在取得《贷款承诺书》并就所抵押的房屋办理保险后，即可持上述*及《贷款承诺书》、拟用于还款的银行储蓄存折和*、保险单、与银行签订《借款合同》、《抵押合同》等有关法律性文件，并办理公证手续（如果买房者已婚，须夫*双方一起前来）。如果夫*双方或其中一方不能亲自前来签订合同，需授权委托另一方或第三方代为办理贷款相关手续。授权委托书需经公证，且受托人有转委托权。

半锦年华思君老 08-03 08:17

您好！据我所知，二手房抵押借款合同正常流程为：1. 客户本人及配偶持相关原件来本公司面签委托代理协议2. 签约当天客户交贷款服务费，本公司为客户上报评估3. 签约当天或第2个工作日由评估师预约客户上门评估4. 签约的4个工作日内评估所返回评估报告，客户在此期间内补齐贷款*5. 评估报告返回当天安排客户与贷款银行面签6. 银行签约2个工作日内将贷款*送到银行进行审批7. 本公司对通过银行审批的客户出具批贷证明，并通知客户送交产权证原件做网审批8. 对于需要垫资的客户，在银行批贷后安排原贷款银行的还款手续9. 银行返回抵押合同的3个工作日内安排产权人去所在区县的建委办理抵押登记手续10. 根据银行放款条件，本公司安排贷款银行办理放款手续，在办理完抵押登记手续2个工作日内银行将贷款资金打入指定帐户11. 办理其他后期手续希望我的回答对你有帮助！

你是我的独家记忆 08-03 08:26

你好，二手房抵押借款合同正常流程是一、客户需要提供的调查*：（审原件，留复印件）1、出资客户的*复印件2、出资客户的银行帐户复印件3、融资客户夫*双方的*复印件、户口本首页及所在页的复印件、结婚证复印件，如离婚提供离婚证及财产分割证明（法院判决书或离婚协议），如单身出具单身证明。4、公*（一式五份）5、房屋价值评估报告6、还款计划书（一式叁份）7、借据、收据（融资客户签，出资客户和公司各一份）8、担保函9、首次利息收条、担保费收条10、其他票据（如汇款单、临时收据等）11、融资客户资金用途证明材料12、融资客户收入证明或个体营业执照及银行流水帐13、保证人*复印件、保证人收入证明、其他*14、房产证、土地证15、第二套房产证明（复印件写上供融资客户租用）16、合同书（一式五份）二、转交风控部审核1、融资客户基本情况调查表2、融资客户抵押房屋基本情况调查表3、保证人基本情况调查表4、贷款担保审批表5、实地考察。在审查完客户所提交的*后，认为符合放贷条件时可对企业进行下一步实质考查时按贷款的1%预收立项审查费。上述费用：（1）如客户提交虚假*或非公司原因而客户中途违约时，作为罚金不予退还。（2）因公司原因致使该笔业务中途夭折，所收费用全额予以退还。（3）如该笔业务顺利*作完成，所收取费用冲抵其它费用。6、联合会签：经手人签字、风控部经理签字、总经理签字、审贷委员会通过。7、交清各项费用签订合同：1）所需费用：A：担保费：3%≤6 个月、5% 7－12 个月（按贷款额度）B：评估费：4‰（评估总额）C：公证费：3‰D：抵押登记费：1‰+80 元E：印花税：万分之一F：还款履约保证金：贷款额的2%2）注意事项：A：签订的日期要统一规范与主合同一致（收据除外）B：金额按财务规则书写，以大写为准不允许涂改。C：内容涂改的要加盖公章；D：如本人无法亲自签字要出具委托书或授权书E：一般情况下，拿到他项权证再放款（尤其是外地的），而备案只是受理，房产局的受理人员可以撤销，他项权证如果房产公司向房产局加费当天可以拿到。F：为了减轻融资客户的负担，在和出资人洽谈付息方式时最好是月付（付息方式有月付和季付两种）G：出资人的汇款手续要留存H：签订合同后要先收担保费再放款三、档案管理1、*备份：1）合同书：（一式五份）2）公*（一式五份）3）担保函4）调查表：融资客户情况、抵押房屋情况、保证人情况5）贷款审批表6）借据、收据7）委托书或授权书8）还款计划书（一式叁份）9）理财客户登记表2、公司留存*1）“一”中的所有*2）联系方式：*之外最好有固定电话如办公电话、详细住址3、出资人留存*1）合同书2）担保函3）借款人的基础*4）房产合同、土地证5）还款计划书6）借据、收据（由融资客户出具盖章）7）公*（一式五份）8）其他应有*4、借款人留存*1）合同书2）还款计划书（一式叁份）3）公*四、贷后管理1、*：定期了解贷款使用情况和融资客户经营情况。2、提示：付息前一周，还本前一个月，预先提示，以便融资人提早作好还贷准备，保证融资人资金流的正常运转。3、解除：到期后凭融资人的银行还款单，解除抵押登记，加盖结清章，解除与融资人的担保关系，并要求双方退回所有手续。对非正常件要加催直至依法强制执行。4、执行：对非正常件要加催直至依法强制执行。5、记录：记录本次担保的信用情况，分为正常、不正常、逾期、坏帐四个档次，为后续担保提供信用记录6、归档：将与双方签定的各种协议以及还贷后的凭证、解除担保的凭证等整理归档、封存、以备今后查档。

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