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成都二手房贷款流程是什么样的?

浏览:38次 | 提问时间: 08-06 05:52
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3个答案
假朋友比真敌人更可怕 08-06 05:53

贷款流程如下:
1、确定按揭服务公司和贷款方案
借款人在办理贷款前首先需要与中介确定按揭服务公司,并向按揭服务公司提出贷款咨询,确定贷款方案。
2、   查询公积金(如需公积金贷款)
与卖方确定购房意向后,借款人提供公积金帐号,由按揭服务公司进行公积金查询,确定可贷款的金额和贷款年限。
3、签定房屋*合同
借款人与卖方签定房屋*合同。由于交易中心要求不同,江岸、江汉、桥口、洪山等区的房屋,需在合同签好后到所在区域的交易中心办理房屋过户。
4、准备贷款*,审核贷款资质
按揭服务公司协助借款人按照银行要求准备贷款*,有的房屋需要由指定的评估公司进*价评估;并且由按揭服务公司进行初步审核。
5、签贷款协议,公证,保险
按揭服务公司将初审后的贷款*交贷款银行审核,通过后,按揭服务公司将安排借款人与银行签定贷款协议和办理协议公证,同时收取费用,包括房屋保险费等。
6、办理房屋过户和抵押手续
借款人到房屋所在区的交易中心办理房屋过户和抵押手续,并将抵押收件收据通过按揭服务公司交贷款银行。
7、办理房产证和抵押证明
贷款人的房产证和他项权利证明办出后,按揭服务公司将您的产证复印件和他项权利证明原件交银行。
8   、银行放款
银行在收到借款人的以上两证后,按揭服务公司将所贷金额发放给借款人

随手丢我 08-06 06:01

成都二手房贷款流程:
1。*双方带上*户口婚姻证明关系产权证本人到场到银行或担保公司签定贷款合同;
2。等待审批,银行审批可以发放贷款以后,到房产交易中心办理过户手续;
3。1到3个工作日后领取新产权证,然后交担保公司或银行办理抵押登记;
4。办完抵押登记以后卖方等待银行放款。

人心难测 08-06 06:09

1、向银行提出贷款申请,提交相关材料,选择贷款方式。
  2、银行初审合格后,由银行指定的房产评估机构对房屋价值进行评估。虽然购房者已经与房屋所有权人就房屋的价格在房屋*合同中已有约定,但银行是以其指定的房屋评估机构对房屋的评估价值作为确定贷款额度的依据。购房者最高可以得到该房屋评估价值的70%的贷款,贷款期限最长为30年。
  3、由银行指定的律师事务所对提交的材料进行审核,出具法律意见书。
  4、贷款银行在审核法律意见书的基础上,将决定是否批准贷款。得到银行批准贷款的通知后,购房者和房屋所有权人在贷款银行分别开设账户,购房者把房屋*合同中约定的房价款的30%存入自己的账户。之后,购房者与银行签订购房抵押贷款合同并签署授权书,授权银行将该笔首付款及发放的贷款划至卖方账户。购房者还需要与保险公司为该房屋办理个人抵押贷款房屋保险。
  5、贷款银行直接将贷款划至卖方账户,发放贷款的次月起购房者需按银行规定的时间偿还贷款。
  6、办理立契过户,申领《房屋所有权证》。
  7、由律师事务所办理房屋抵押登记,并将《房屋他项权利*》交由银行收押。
  8、在购房者还清贷款本息后,解除抵押担保。

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