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买房贷款手续流程哪位朋友比较清楚？

买房贷款手续流程哪位朋友比较清楚？

浏览：45次 | 提问时间： 08-06 09:07

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夜色 08-06 09:08

1、将房地产抵押*明连同契约正本交贷款行执管。2、期房交付后，三个月内办理房屋过户手续，取得《土地使用证》、《房屋所有权证》和《房屋他项权证》，直接将三证交贷款行保管（此时开发商的担保责任解除）。3、自费为抵押的房产办理保险，保险期不短于按揭期，投保金额不低于抵押物总值，并以贷款行为第一受益人，将保险单交贷款行持有。4、未经贷款银行书面同意，买房者不能对房产进行出租、*、拆除、改建、再行抵押或以其他方式处分抵押物。5、每月按时归还本息，逾期则按天数加收罚金。6、结清全部贷款本息、罚金和应负担的各项费用后，会同贷款行向原抵押登记机关办理注销抵押登记，收回《土地使用证》、《房屋所有权证》及保险单。

许我长久 08-06 09:16

买房贷款手续流程 1、借款人在办理贷款前，应查明所购楼宇是否有银行提供个人住房按揭贷款承诺书，然后，借款人申请个人住房按揭贷款，填写《贷款申请审批表》，将有关材料(付首期款证明、*合同、*、经济收入来源证明等原件、复印件)提交贷款银行；　　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：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、贷款行信贷员将贷款档案归档。

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