array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(30) "家装流程是什么谁清楚" ["inlink"] => int(0) ["addtime"] => string(10) "1604570311" ["tagid"] => int(4611812) ["id"] => string(7) "4611812" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703504068221075475) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/4611812" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/4611812" } [1] => array(11) { ["tagname"] => string(51) "中山房产过户流程是什么样的谁清楚啊" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1208264) ["id"] => string(7) "1208264" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951272345617) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1208264" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1208264" } [2] => array(11) { ["tagname"] => string(27) "商品房按揭贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) 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商品房按揭贷款流程是什么样的谁清楚？

商品房按揭贷款流程是什么样的谁清楚？

浏览：46次 | 提问时间： 08-06 08:44

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深海无爱 08-06 08:44

交完首付签了售房合同以后售楼处会把所有合同交给银行，你提供银行需要的*就可以了。利率什么的售楼处都是谈好的，贷款银行也是。银行需要的*：收入证明，结婚证（没有结婚的是未婚证明，两个人的都要打的，写一个人名字就打一个人名字就可以）。收入必须是月还款额的2倍，但是不要打太多，太多了需要提供纳税证明。户口本原件，*原件。银行那签了贷款下来就可以了希望可以帮到你

左手记忆右手年华 08-06 08:53

借款人填写《贷款申请审批表》，向贷款银行提交有关材料（首期款已支付证明、*合同、*、经济收入来源证明等原件及复印件）发展商作为借款保证人在《贷款申请审批表》“保证人意见”栏上签字、盖章贷款银行的信贷员对借款申请人提交的全部*、文件进行审查，逐级审批贷款行领回办妥手续的材料并根据依法生效的借款合同发放贷款国土局产权登记和公证部门办理房产产权抵押登记手续6通知发展商领回借款合同并由发展商出具付清房款证明给贷款行7通知借款人领回借款合同、借据、保险单。8借款人按期还款付息，贷款本息结清后，注销抵押登记，解除合同

向来情深奈何缘浅 08-06 09:01

商品房按揭贷款流程：（一）购房者同开发商签订购房合同并支付不低于20%首付款。（二）具备按揭贷款条件的申请人向相关金融机构提出申请，提供真实的个人*。这里提醒大家，购买期房时，金融机构主要是各商业银行的分理处或者营业部，并且申请人对金融机构并不具有选择的可能，一般都要向与出卖人有特定业务关系的金融机构申请。（三）经办的金融机构对申请人的贷款条件进行审查核实，决定是否法房按揭贷款；（四）借款人与贷款人签订按揭贷款合同，借款人如果选择自动划款方式还款，应当在银行开立还款账户申领*；（五）办理担保、保证或者保险手续；（六）贷款人接受借款人委托，依照其指令将按揭贷款划入出开发商账户。

夏有森光暖无疑 08-06 09:10

实际上不难1.借款人填写《贷款申请审批表》，向贷款银行提交有关材料（首期款已支付证明、*合同、*、经济收入来源证明等原件及复印件）2.发展商作为借款保证人在《贷款申请审批表》“保证人意见”栏上签字、盖章3.贷款银行的信贷员对借款申请人提交的全部*、文件进行审查，逐级审批4.贷款行领回办妥手续的材料并根据依法生效的借款合同发放贷款5.国土局产权登记和公证部门办理房产产权抵押登记手续6.通知发展商领回借款合同并由发展商出具付清房款证明给贷款行7.通知借款人领回借款合同、借据、保险单。8.借款人按期还款付息，贷款本息结清后，注销抵押登记，解除合同

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商品房按揭贷款流程是什么样的谁清楚？

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商品房按揭贷款流程是什么样的谁清楚？