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苏州建行装修贷款的流程有哪些？

苏州建行装修贷款的流程有哪些？

浏览：59次 | 提问时间： 08-06 09:23

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空白Koreyosh 08-06 09:24

苏州建行装修贷款的流程有:1、借款人申请建设银行个人住房装修贷款，须到开办该项业务的营业网点提出申请，填写申请表，提交相关*、办理有关担保手续；2、待客户经理调查、审核同意后，报经有权审批部门审批同意后，签订借款合同；3、客户经理办理放款手续，将款项转入借款人在我行个人结算账户上，客户即可使用贷款资金；4、与装修企业签订装修协议、支付装修款。

弃我不顾 08-06 09:32

你好：(一)　　咨询：借款申请人除可以到苏州建行分行任何“个贷”经办网点，还可到开发商银企联络员处，对该种贷款的具体种类、期限、额度、利率水平、还款方式等进行咨询，并索取有关*。　　(二)受理：借款申请人可以在与房屋*方签订购房意向书，缴足定金后，到贷款建行或银企联络员处领取贷款申请表，申请表填妥并由保证人签章后，连同要求备齐的各种*一起报送银行，也可由银企联络员统一报送。　　(三)　　审查审批：信贷人员在对客户书面*进行初审后，对借款宴请人的资信进行现场考察并出具第一责任人调查意见，然后逐级上报审批。审批通过后出具银行贷款承诺书，承诺书有效期为壹个月。　　(四)　　签订合同发放贷款：借款申请人凭银行贷款承诺书到*方签订正式购房合同、并缴付30%以上的预付款，然后凭购房合南正本、缴款收据、承诺书和个人私章到贷款建行签订虹信借款合同、抵押合同等，同时缴付有关费用。借款合同经借贷双方当事人签章后生效，贷款资金划转到开发商帐户同时，借款人领取有关合同文本，并按还款计划要求，从贷款当月开始还本付息。　　购房贷款步骤　　当建行审查同意贷款后，将委托按揭事务中心为您*贷款所有手续，当您接到会签通知后，请您按以下步骤办理有关手续：　　第一步借款人(购房人)持有关*(*原件、半寸方章及建行活期存折)进入签合同地点——按揭事务中心。　　第二步借款人(购房人)请按指示路线到合同会签就座，听取律师讲解借款等合同文本。　　第三步借款人(购房人)在按揭事务中心大厅保险柜台及收费柜台递交建行活期存折，缴纳个人住房贷款相关费用。　　第四步借款人(购房人)缴纳有关费用后凭收费单据到会签室领取本人的借款等合同文本，并请留心核对合同文本内容。　　第五步借款人(购房人)若错过借款合同讲解专场，请自己阅读合同文本。在阅读过程中如有疑问请到咨询柜台提问，您将会得到妥善的解释。　　第六步借款人(购房人)如认为合同没有什么问题，请您在所有合同文本上签名盖章并填写签订日期。　　第七步借款人(购房人)办妥以上事项，请将您的所有合文本，送交律师审阅。　　第八步借款人(购房人)有关借款签约手续已办妥，按揭事务中心将尽快为您办理有关抵押签名手续，并通知银行为您放款，请您放心回家。　　个人住房贷款需提供的*：　　借款人夫*双方*、户口本原件及复印件;　　双方不在同一户口中的还须提供结婚证明原件及复印件;　　借款人夫*双方所在单位出具的收入证明原件;　　合法的购房合同;　　借款人预付30%以上的预付款收据原件及复印件;　　贷款银行规定的其他*(如家庭财产证明等)。

倔叔 08-06 09:41

1、签署*合同：买方进行购房资质审核；卖方进*屋核验；2、房屋评估：评估公司来对房屋进行评估；3、资金监管：首付款资金监管，保证二手房交易资金安全；4、银行面签：*双方去申请贷款银行面签；5、银行批贷：申请贷款银行下发批贷函；6、缴税过户：*双方办理缴税业务及产权变更手续，领取新产权证；7、资金监管首付款解冻；8、物业交接：买方与物业签署物业合同；9、抵押登记：买方将新的产权证送至银行进行抵押。

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