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二手房按揭购房流程是怎样的?_其他_设计456问答
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二手房按揭购房流程是怎样的?

浏览:51次 | 提问时间: 08-03 08:17
分享到:
3个答案
说我愚陋 08-03 08:18

二手房按揭贷款的常规流程共分7步,具体流程如下:1、银行征信调查(去*银行查买方的征信情况);2、房屋产权调查(调查房产是否抵押,查封,析产,继承,共有权人情况);3、向卖方支付定金并预留房屋尾款;4、房屋过户的同时银行审查贷款条件;5、银行发放贷款到卖方账户;6、双方共同去做物业交割(水、电、气、暖、物业费,原房主户口必须迁出);7、向卖方支付尾款。

舔唇 08-03 08:26

二手房按揭买房具体*作流程如下:                    1、签约,*双方签署建委、工商局指定的北京市存量房*合同(自行成交版)                    2、签贷款合同,*双方到中信营业网点签署贷款合同,需要*双方、夫*双方同时到场,并且带齐以上材料,买方还需备齐首付款。(1、2可在中信当天同时签署,暂时材料不齐、首付款不能当日交接或者*双方中的其中一方配偶不能同时到场,可以于合同签署日之后尽快补齐)                    3、评估,中信安排评估公司上门评估,业主配合即可。                    4、网上签约,签约中心委派专人陪同双方到建委网签窗口网签,网签价格要保证客户贷款要求。                    5、审核,中信根据*双方提供材料结合评估报告和网签合同进行审核。                    6、批贷,审核完毕决定是否批贷,以及批贷金额,出具批贷承诺函。                    7、过户,签约中心安排*双方办理房屋产权登记过户之前,需要*双方对大额物业费用进行提前交验;过户当天需要   先到地税局按照网签合同交易额缴纳各项税费。买方当天可以领取建委开具的领证通知单、和地税局开据的契税票(中信银行陪同过户人员收走用于放款),(海淀当天领产权证)。                    8、放款,中信承诺过户完毕3个工作日内放款给卖方。                    9、物业交割,过户完毕双方交接房屋,一般为过户当日,特殊情况可双方协商。                    10、领取房屋所有权证,一般过户完毕10个工作日可以领取房屋所有权证,各区不同。                    11、抵押登记,过户之后买方需配合银行做抵押登记手续,办完抵押登记房本原件交予买方。

做作 08-03 08:34

(一)   流程:*双方须经过两步走转按包括两个方面,一是卖方提前偿还银行贷款,与银行解除债权债务关系,撤销抵押登记;二是买方申请二手房贷款,以所购住房作为新贷款的抵押担保,办理抵押登记。其业务流程为:第一步,卖方向银行提出申请。第二步,经银行审查同意的,由银行、卖方和买方签订协议,银行同意卖方转让住房,卖方承诺将售房款优先用于偿还银行贷款并授权银行从其在银行开立的账户上直接扣收尚未偿还的贷款本息,买方承诺交易时将房款划入卖方在银行开立的账户上。第三步,卖方和买方签订住房转让合同。第四步,买方向银行提出新的贷款申请,贷款额可以为卖方剩余贷款余额,也可以按照下列公式计算:贷款额=所购住房市场价格×二手房贷款成数。第五步,银行经审批同意后,与买方签订新的借款合同和抵押合同,出具同意贷款的承诺函。第六步,卖方与买方办理产权过户手续。第七步,银行与卖方到房地产管理部门办理注销抵押登记手续,同时与买方申办新的抵押登记手续。第八步,银行对买方发放贷款,根据买方的授权,将贷款划到卖方开立的账户上,然后根据卖方的授权,从账户上直接扣收卖方尚未偿还的贷款本息,终止原借款合同。

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