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杭州购房贷款流程是怎样的？

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杭州购房贷款流程是怎样的？

浏览：34次 | 提问时间： 08-06 04:58

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2个答案

轨迹 08-06 04:59

贷款买房的流程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。1、先与开发商签定房屋*合同；2、根据开发商要求提供的*：户籍证明、*、婚姻证明复印件，由自己所在单位开具盖有公司鲜章的收入证明（开发商所签银行的收入证明格式）交由开发商办理；3、经过银行审批后通知和银行签定，就完成了。按揭贷款就是购房者以所购住房做抵押并由其所购买住房的房地产企业提供阶段性担保的个人住房贷款业务。按揭贷款中人们最关心的是条件及程序，首先办理按揭贷款需要提供的*：1、申请人和配偶的*、户口原件及复印件3份（如申请人与配偶不属于同一户口的需另附婚姻关系证明）。2、购房协议书正本。3、房价30%或以上预付款收据原件及复印件各1份。4、申请人家庭收入证明材料和有关资产证明等，包括工资单、个人所得税纳税单、单位开具的收入证明、银行存单等。5、开发商的收款帐号1份。其贷款手续及程序是这样的。首先，请到银行了解相关情况。并办理相关带齐以上的*申请个人住房贷款。然后接受银行对您的审查，并确定贷款额度。接下来就可以办理借款合同，且由银行*保险。办理产权抵押登记和公证。最后剩下的就是银行发放贷款，借贷人每月还款和还清本息后的注销登记。谢谢！

最美不过那年 08-06 05:07

杭州购房贷款流程      1.要核实你的信用纪录   2.核实你的身份以及贷款*   *   户口   结婚证或者单身证明或者离婚证   经济收入证明   首付款收据   上述*必须夫*双方的(如果有的话)   3签订贷款合同   4.开发商拿房地局去备案   到原抵押银行去解押   在到现贷款银行放贷中心审核*   5.放贷中心电话调查*之后   抵押房产   放款

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