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购房合同质押贷款的流程有谁熟悉？

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购房合同质押贷款的流程有谁熟悉？

浏览：47次 | 提问时间： 08-06 09:09

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3个答案

续 08-06 09:10

购房合同质押贷款的流程⑴售房商向贷款行提出按揭贷款合作意向。　　⑵贷款行对售房商开发项目、建筑资质、资信等级、负责人品行、企业社会商誉、技术力量、经营状况、财务情况进行调查，并与符合条件的售房商签订按揭贷款合作协议。　　⑶借款人与售房商签订购房协议，并缴纳30%以上的房款(营业房40%)。　　⑷借款人持购房协议、30%购房收据、*、婚姻状况证明向贷款行申请按揭贷款，并在贷款行开立存款账户或*。　　⑸经调查、审查、审批同意后签订借款合同，贷款行代理办妥登记、公证手续后，将款项存入售房商账户(保险采取客户自愿原则)，并通知客户取合同和到售房商处办理购房手续。　　⑹借款人以后只要每月(每季)20日前在存款账户或*上留足每期应还款额，贷款银行会从借款人账户中自动扣收，到期全部结清。　　(7)贷款行代理缴纳契税、领取契证、办妥房地产权证及住房抵押登记手续，收费严格按各有关办理机关的收费标准执行，不收取任何代理费，借款人必须提供办理以上手续所需的一切材料。贷款归还后，贷款行注销抵押物，并退还给客户。

卑鄙时刻 08-06 09:19

房屋抵押银行贷款流程◆借款人提出申请,递交相关*◆   进*产评估、贷前调查、审批。◆   审批通过,办理抵押登记手续。◆   发放贷款,借款人按合同定期归还贷款本息。◆贷款本息结清,办理抵押房屋的撤押手续！

如果你懂能伴我多久 08-06 09:27

购房合同质押贷款的流程:1、面谈；2、与贷款公司进行家访；3、准备贷款材料，看房评估；4、签订借款合同；5、到建委办理公证、抵押登记；6、贷款公司放款。

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