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谁知道北京二手房组合贷款流程有哪些？

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谁知道北京二手房组合贷款流程有哪些？

浏览：45次 | 提问时间： 08-06 09:07

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3个答案

夕水晚暮欢亭旧 08-06 09:08

贷款买二手房过户流程如下：　　第一步，买方要对房子的产权进行调查。审定房屋产权的完整性、真实性、可靠性，要注意产权证上的业主姓名与售房者是否相符，有无抵押或共有人等。　　第二步，签订二手房*合同。　　第三步，找评估公司做评估。这个过程一般来说要5~7个工作日。　　第四步，贷款的房子要办理相关按揭业务。如果是公积金贷款和商业贷款组合的，则要向公积金中心和银行同时申请。这是整个二手房自行交易过程中最耗时间的阶段，通常要40个工作日左右。　　第五步，按揭办理下来后，要注意注销该物业的他项权证。　　第六步，将合同交到房管部门产权交易中心相关办事窗口，拿受理单。　　第七步，凭受理单到农税中心缴纳相关税费，拿契税完税证。　　第八步，凭完税契证到土管部门办理国土证。　　第九步，凭完税契证到房管部门办理房产证。　　贷款买二手房过户时需要提供*主要有：房屋所有权证、*双方*明、房屋*方婚姻状况证明、房屋核档证明、*契约以及其他房屋登记机构认为有必要提供的*等。希望我的回答对你有所帮助！

我愿做你爱的死囚 08-06 09:17

第一步：到贷款银行提出借款申请                 借款人持购房合同和开发商售房许可证复印件、*、住房公积金储蓄磁卡、印章到各区县的建*地产信贷部申请住房公积金贷款（使用夫*双方住房公积金贷款的，还须携带结婚证或其他夫*关系证明），填写“个人住房公积金贷款（组合）贷款申请书”。第二步：银行审核                 贷款银行根据借款人提供的*，考核借款人是否符合贷款条件，计算贷款额度，确定贷款期限。第三步：到贷款银行签订借款合同                 贷款银行审核借款人的申请后,借款人与银行签订借款合同和抵押合同（不用房屋担保的签订质押合同）。第四步：到产权部门办理贷款担保手续              办理住房公积金贷款（组合贷款）有两种担保方式，借款人可以根据自己的实际情况选择其中的任何一种。第五步：办理住房抵押保险手续              借款人到产权部门办理完抵押或质押手续后,连同借款合同、抵押合同（质押合同）、房屋他项权证、抵押权证明书等借款*交贷款银行办理房屋保险手续。第六步：签订还款协议和划款              采用*代扣方式还款的,借款人到建行储蓄网点办理还款代扣*，并与贷款银行签订代扣协议。委托单位代扣还款的，单位与贷款银行签订协议。第七步：银行划款              借款人按与贷款银行约定的时间到贷款银行办理领款手续,贷款银行将款项划入售房单位；用于修、建房的贷款,借款人按借款合同支取。

我愿意贡献我的老师去前线 08-06 09:25

北京二手房组合贷款流程如下:1.*双方签订购房合同2.购房人持购房合同和户口本、*等相关证明到公积金贷款中心申请(城八区市民到位于方庄芳城园的北京市住房公积金贷款中心申请，城八区外市民，需要到各区县管理部门申请)。3.住房公积金管理中心和建行对申请人进行审核。经过测算，住房公积金中心会告知申请人公积金和商贷的贷款额度。4.购房人确认贷款。5.购房人办理过户等手续。5.购房人办理借款和抵押手续。6.建行将贷款资金一并发放划入售房人名下账户。

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