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北京市二手房贷款有哪些流程?_其他_设计456问答
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北京市二手房贷款有哪些流程?

浏览:29次 | 提问时间: 08-06 09:09
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3个答案
对上你眼 08-06 09:10

二手房贷款流程详解:一、要购买的二手房必须已办理《房屋所有权证》,产权明晰并具备符合*规定的进入房地产市场流通条件。房屋的房龄不能超过15年。二、选择贷款银行,进*产评估。三、填写借款申请表,并向贷款银行提交下列*:二手房贷款   买房人*:1、   借款人及配偶*、户口簿、结婚证(如单身,需提供户籍所在地民政部门开具的单身证明);2、   经济收入证明;3、   商品房*合同(双方买房协议);4、   首付款收条或存在该行的首付款证明凭证。5、   贷款人的贷款到期日,不能超过法定退休年龄(男65岁女60岁)6、   房龄不能超过15年。二手房贷款   卖房人*:1、   售房人(含共有人)*明及复印件、婚姻状况证明、户口簿;2、   产权证、土地证。四、银行对*双方送交的*的真实性、合法性、合规性及供款人的资信进行审查,审查合格后,出具《贷款承诺函》给买方,银行会注明提供几成,几年按照贷款。五、买方将购房的首期款存入该行的帐户,由银行冻结,售房人在首期款交付、《贷款承诺函》签订后,到房地产交易管理中心办理房屋交易手续。六、房屋交易手续及新《房屋所有权证》办理完毕后,买房人与贷款银行签订借款合同,办理抵押、保险等有关担保手续。七、借款合同生效,资金划入买方的指定帐户,然后买方将贷款和首期款一并交付给售房人。

别为我遮风挡雨 08-06 09:18

。市属公积金贷款流程如下:签约,审核资质,面签,评估,初审,复审,过户,放款。具体时效:签约当天可提交购房人的审核资质,4到5个工作日后出审核结果,资质审核通过后即可面签,面签后,*齐全,10到15个工作日后初审,初审后10到15个工作日后即可复审,复审当天即可过户。先交税再过户,当天可出新房本,购买人可看到但当天拿不走,需要拿着房本做抵押等,得放完款之后才能拿到房本。

不叫爱 08-06 09:27

一、二手房贷款准备期*双方建立*沟通渠道,买方了解房屋整体现状及产权状况,要求卖方提供合法的*,包括房屋所有权*、身份*及其它*。二、签二手房*合同卖方提供了房屋的合法*,买方可以交纳购房定金(交纳购房定金不是商品房*的必经程序),*双方签订房屋*合同(或称房屋*契约)。*双方通过协商,对房屋坐落位置、产权状况及成交价格、房屋交付时间、房屋交付、产权办理等达成一致意见后,双方签订至少一式三份的房屋*合同。三、二手房办理过户*双方共同向房地产交易管理部门提出申请,接受审查。*双方向房地产管理部门提出申请手续后,管理部门要查验有关*,审查产权,对符合上市条件的房屋准予办理过户手续,对无产权或部分产权又未得到其他产权共有人书面同意的情况拒绝申请,禁止上市交易。四、立契房地产相关部门根据交易房屋的产权状况和购买对象,按交易部门事先设定的审批权限逐级申报审核批准后,交易双方才能办理立契手续。现在北京市已取消了交易过程中的房地产卖契,即大家所俗称的“白契”。五、缴纳税费税费的构成比较复杂,要根据交易房屋的性质而定。比如房改房、危改回迁房、经济适用房与其它商品房的税费构成是不一样的。六、办理产权转移过户手续交易双方在房地产交易管理部门办理完产权变更登记后,交易材料移送到发证部门,买方凭领取房屋所有权证通知单到发证部门申领新的产权证。七、二手房银行贷款对贷款的买受人来说在与卖方签订完房屋*合同后由*双方共同到贷款银行办理贷款手续,银行审核买方的资信,对双方*交易的房屋进行评估,以确定买方的贷款额度,然后批准买方的贷款,待双方完成产权登记变更,买方领取房屋所有权证后,银行将贷款一次性发放。八、打余款完成交易买方领取房屋所有权证、付清所有房款,卖方交付房屋并结清所有物业费后双方的二手房屋*合同全部履行完毕。九、北京二手房贷款注意事项:贷款人需要知晓二手房按揭贷款的额度和期限:1.贷款的最高额度不超过房地产评估机构评估价值或房屋实际交易价格(以较低者为准)的5   0%。   2.贷款的期限最长不超过15年,且贷款期限与楼龄之和不超过20年。二手房按揭贷款的费用:1、   担保金:贷款额的3%,由中介公司收取。2、   公证费:每笔50元,由公证机关收取。3、   保险费:总房款的%,由保险公司收取。4、   他项权证费:由区产权部门收取。二手房贷款需要注意事项:1.必须查明房屋的土地使用权性质2.如果房屋属夫*或家庭成员共同财产,须取得共有人同意*的声明。3.在购买在租房屋时,应确认房屋承租方已放弃优先购房。4.所购房屋没有被司法机关财产保全、查封,没有设定抵押权。5.经济适用房或房改房应符合转让的条件。

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