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购买按揭房流程哪位清楚？

购买按揭房流程哪位清楚？

浏览：44次 | 提问时间： 08-06 05:25

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我与途人 08-06 05:26

按揭购房流程　　　　1、看楼并选购合适房屋　　　　2、签订认购书并交付定金选中房屋之后，您需要携带*原件前往楼盘销售现场，签署认购书并付定金。　　　　注意事项提醒：　　　　a.您在认购前应对我们提供的*合同示范文本及其补充约定、重要提示及法律法规规定应明示的其它文件、*等，对所认购的物业状况、交易条件、周边环境、进行充分了解确认；　　　　b.请您明确*购房产的所有认购方人员姓名后，方可在《认购书》及《认购书补充协议》上签字。此两份文件一经签署，所有内容条款即时生效，不得更改。　　　　c.购房手续均需购房者本人办理，如需委托他人*，则需提供*认可的公证机构出具的《公证委托书》。委托书内容有固定的格式要求，请您向现场销售代表索取《公证委托书》样本，并请公证机构照此开具委托书。3、付清首期款并办理按揭签订认购书后，请您按认购书约*间携带以下*前往办理首期款交付等手续：　　　　a.*原件　　　　b.认购书原件　　　　c.定金收据原件　　　　4、签署《房地产*合同》因签署《房地产*合同》手续较多，请您在认购书约定期限内与销售代表预约好时间，以确保合同签署的顺利进行。如您是联名认购，请于签署《房地产*合同》前确定联名各方所占份额（一经签署无法更改）。　　　　签署《房地产*合同》时须提供以下*：　　　　a.*原件（港澳台人士还须提供回乡证、台胞证；外籍人士提供*和签证）；　　　　b.房款收据原件；　　　　c.认购书及补充协议原件；　　　　d.港、澳、台及外籍人士按*规定需交纳*合同公证费。　　　　备注：合同签署后还须由发展商提交国土局办理合同备案手续，完成后房地产*合同将交由所在的按揭银行保存，结清贷款后返还。5、办理银行按揭手续按揭购房注意事项：1、如果您选择银行按揭方式付款，您必须符合以下条件：a.年满18周岁，具有完全民事行为能力并符合银行贷款条件的国内人士（含港澳台）；b.年龄与按揭年限之和，*不超过65，*不超过60（具体事宜以相关银行确认为准）；c.具有稳定合法的职业和收入来源；　　　　买房流程攻略指南　　　　选房*购买资格签订合同贷款流程　　　　d.具备符合银行要求的资产/收入证明文件，并且具备良好的个人资信状况。　　　　2、办理按揭手续时需提供以下*：　　　　a.*、认购书、首期款收据原件；　　　　b.加盖公司公章的收入证明原件一份，港澳人士须提供薪俸纳税证明；　　　　c.银行要求的其他*：业主名下的各类*如活期存折、定期存折、股票对帐单、其它房产证明、车辆*、税单、户口本等。　　　　6、开始供款并领取按揭合同您与银行签署《按揭合同》后，银行将向国土局提交抵押登记申请，完成后即通知您领取按揭合同。具体按揭扣款时间以所在银行通知为准

我够拽么 08-06 05:34

流程是这样的：和业主一起到银行，向银行申请贷款——银行贷款获批，出按揭合同——与业主一同到房管局过户（递件）——完税（房管所审核文件无误后通知*双方完税）——房产证更名（当场可以看到房产证原件，上面是你的名字，但一般马上会被按揭公司/银行拿走）、——抵押至银行（银行有一堆抵押手续要做，等待银行放款）——放款（按揭公司或银行会通知你，放款后第二个月就要开始还贷了）——拿到按揭合同/房产证原件（不是每个银行都会把房产证给你，一些银行会一直帮你保管房产证直至还清贷款）其实我买房的时候，觉得最重要的反而不是去房管局领证的步骤，而是递件之前对房屋资质的查证！因为很多业主会在递件当天就要求买方把首期款付清，而真正完税、出新房产证是几天以后了。虽然一般来说房管局收下双方过户文件就表示房屋资质没有问题可以过户，但中间总有几天时间差，心理有点不安。。。事先一定要在房管局查清房屋所有权、有无按揭、有无抵押等。

深拥我 08-06 05:42

通过按揭购房的程序如下：1、选房后签订认购协议，缴纳部分定金。（注意，这一步不是必须的，也可以直接从第二部开始）2、签订购房合同，交首付款。3、提供个人*、首付收据、购房合同、单身证明（若结婚就是结婚证，夫*双方各种*），开发商协助办理的抵押担保到银行去申请按揭贷款。若你们是共同出资，需要两个人一块签署购房合同并办理贷款，若是你个人行为，不需要你女友参与。4、银行审核放款，你们开始按月还贷款。目前开发商没签合同，你们绝不要付首付款，这样没有法律保障。另外买房与结婚没有必然联系，若你们想让房产成为共同财产，就先结婚后签合同，若不是，就尽早办理。

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