array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(21) "按揭车抵押流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924443" ["tagid"] => int(1038306) ["id"] => string(7) "1038306" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503945168584713) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1038306" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1038306" } [1] => array(11) { ["tagname"] => string(21) "房地产按揭流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(1006245) ["id"] => string(7) "1006245" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944223817732) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1006245" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1006245" } [2] => array(11) { ["tagname"] => string(21) "房地产抵押流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] 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房地产抵押按揭流程啥样的？

房地产抵押按揭流程啥样的？

浏览：51次 | 提问时间： 06-22 03:15

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温存d3sTny 06-22 03:16

第一步看房验明产权是关键买房一定要看土地、房屋产权的关系是否明晰,有无遗留纠纷问题,防止一房两卖;审定房屋产权的完整性、真实性、可靠性。注意产权证上的业主姓名与售房者是否相符,有无抵押或共有人等;要搞清楚所购房子是商品房、集资房还是经济适用住房。集资房需要单位盖章后才能真正上市交易,而经济适用住房要住满5年才能上市交易。第二步签合同确认买卖双方合法身份行家提示:签署房产中介合同前一要审查其资格,看是否办理了工商登记手续;二要审查对方的委托授权书,以确认对方是卖主的合法代理人。签订《买卖契约》时,买方需交纳购房首付款或订金,切记此款应亲自交给卖主,并由卖主出具收据。交给其他人,一定要审查对方的委托授权书,以确认对方是否是卖主的合法代理人。第三步办手续必要程序不能简化经过选房、看房、签合同三个步骤后,将进入买房的实质性阶段。具体是:房屋面积测绘、房屋价值评估、房屋抵押贷款、房屋产权过户、取得回执。行家提示:购房后应尽快办理房产证,并督促卖方尽快迁出户口;千万不要简化程序,不要私下交易,要合法、彻底办理过户手续。产权过户必须报经产权部门才能完成过户手续。第四步交房按照合同约定执行办理完所有手续后,买卖双方按合同条款交接房屋,验收房内不得拆除的房屋装修和附属设施,验收合格后买方付款。行家提示:买方在未取得房产证前,不应付清全部房款。关于税费的交纳应在《买卖契约》中注明由哪一方缴纳,未注明的要按照规定各自承担;最后,按照房地产交易中心规定,领取房产证时,必须本人到场,如本人因故不能到场领证,应提前办理委托领证公证手续。贷款买房有很多种，有公积金贷款和商业贷款。在贷款前，你要先知道自己的公积金帐户上有多少钱，单位每月给你多少钱。只有知道自己的情况才能去贷款。公积金是职工的一种福利，贷款的利息比商业贷款低很多。商业贷款一般是可以和公积金一起，做成组合贷款，如果你要贷很多款，但是你的公积金余额有不多，这时可以组合贷款。

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房地产抵押按揭流程啥样的？

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房地产抵押按揭流程啥样的？