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西安按揭房贷款需要哪些流程？

西安按揭房贷款需要哪些流程？

浏览：45次 | 提问时间： 08-06 08:10

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待我体贴 08-06 08:11

流程：新房：到开发商处签订购房合同到开发商指定的银行签订购房合同带上*、户口本、婚姻证明、收入证明、银行流水、购房合同就可以了签订贷款合同后银行放款后一个月去银行领取贷款合同就可以了二手房：签订*合同 *双方到银行签订贷款合同银行审核通过后办理过户手续过户完毕后把产权证交给银行银行办理抵押后放款放款一个月后到银行去领取贷款合同

一无所有 08-06 08:19

贷款条件:借款人必须同时具备下列条件:(1)有合法的身份。(2)有稳定的经济收入,信用良好,有偿还贷款本息的能力。(3)有合法有效的购买、建造、大修住房的合同、协议以及贷款行要求提供的其他证明文件。(4)有所购住房全部价款30%以上的自筹资金(对购买自住住房且套型建筑面积90平方米以下的, 自筹资金比例为20%),并保证用于支付所购住房的首付款。(5)有贷款行认可的资产进行抵押或质押,或(和)有足够代偿能力的法人、其他经济组织或自然人作为保证人。(6)贷款行规定的其他条件。贷款额度:最高为所购(建造、大修)住房全部价款或评估价值(以低者为准)的80%; 贷款期限:一般最长不超过30年。贷款利率:按照中国*银行和中国银行业监督管理委员会的相关利率政策执行。申请贷款应提交的*: (1)身份*复印件(居民*、户口簿、**、在中国*有居留权的境外、国外自然人为*、探亲证、返乡证等居留*或其他身份*);(2)贷款行认可的借款人偿还能力证明*;(3)合法有效的购买(建造、大修)住房合同、协议及相关批准文件;(4)借款人用于购买(建造、大修)住房的自筹资金的有关证明; (5)房屋销(预)售许可证或楼盘的房地产权证(现房)(复印件);(6)贷款行规定的其他文件和*。客户贷款流程:(1)贷款咨询:通过网点、电话或网站了解个人住房贷款对象、贷款条件、贷款额度、期限、利率、还款方式、贷款程序等情况;(2)贷款申请:提交建行规定的申请个人住房贷款的材料; (3)签订合同:客户的申请获得批准后,与建行签订住房贷款合同;(4)贷款发放:建行在条件具备时按合同约定发放贷款;(5)客户还款:客户按合同约定按时还款;

眼不见为净 08-06 08:28

好孤独孤僻成性 08-06 08:36

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