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房地产按揭办理流程是什么谁清楚？

房地产按揭办理流程是什么谁清楚？

浏览：37次 | 提问时间： 08-06 09:23

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鹿曼森 08-06 09:24

交完首付以后，把以下*备齐交给开发商，一般由他们统一办理：1.*2.户口本3.婚姻证明（未婚证明或结婚证明）4.无房证明（房管所开。有的楼盘开发商负责开，有的需要自己开）5.收入证明（按揭月供的两倍以上。如月供2000，收入要4000以上）6.半年流水帐（每月入帐的钱要在按揭月供的两倍以上。以前是三个月，现在改成半年了） 7.如是外地户口，还需交过一年社保的证明以上准备齐了，基本上就没问题了

一个人也不错 08-06 09:33

第一步看房验明产权是关键买房一定要看土地、房屋产权的关系是否明晰,有无遗留纠纷问题,防止一房两卖;审定房屋产权的完整性、真实性、可靠性。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;要搞清楚所购房子是商品房、集资房还是经济适用住房。集资房需要单位盖章后才能真正上市交易,而经济适用住房要住满5年才能上市交易。第二步签合同确认*双方合*份行家提示:签署房产中介合同前一要审查其资格,看是否办理了工商登记手续;二要审查对方的委托授权书,以确认对方是卖主的合法代理人。签订《*契约》时,买方需交纳购房首付款或订金,切记此款应亲自交给卖主,并由卖主出具收据。交给其他人,一定要审查对方的委托授权书,以确认对方是否是卖主的合法代理人。第三步办手续必要程序不能简化经过选房、看房、签合同三个步骤后,将进入买房的实质性阶段。具体是:房屋面积测绘、房屋价值评估、房屋抵押贷款、房屋产权过户、取得回执。行家提示:购房后应尽快办理房产证,并督促卖方尽快迁出户口;千万不要简化程序,不要私下交易,要合法、彻底办理过户手续。产权过户必须报经产权部门才能完成过户手续。第四步交房按照合同约定执行办理完所有手续后,*双方按合同条款交接房屋,验收房内不得拆除的房屋装修和附属设施,验收合格后买方付款。行家提示:买方在未取得房产证前,不应付清全的部房款。关于税费的交纳应在《*契约》中注明由哪一方缴纳,未注明的要按照规定各自承担;最后,按照房地产交易中心规定,领取房产证时,必须本人到场,如本人因故不能到场领证,应提前办理委托领证公证手续。

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