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广州按揭购房流程有谁熟悉？

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广州按揭购房流程有谁熟悉？

浏览：38次 | 提问时间： 08-06 09:27

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3个答案

听不见幸福 08-06 09:28

广州按揭购房流程，一般来说银行的按揭流程是这样的：（1）将相关材料送到银行送审。（2）银行审批通过，出具《银行同意贷款通知书》（3）*双方到房管局“递件”（即向房管局申请房屋交易过户）（4）一般来说，，递件之后，*双方就俾“尾数”（不含银行贷款、首期的房屋交易金额）、中介公司的中介费。（5）问税、交税（6）完税后约10个工作日，出新房产证（7）出新房产证之后15个工作日，进行入押（抵押）（8）入押之后10个工作日左右出押，银行拿回房产证、他项权利证（9）出押之后1-3日，银行放款。

挽歌情人 08-06 09:36

1、一手房按揭贷款　　买的是刚开发的新房子，需要以刚买的房产抵押，自己为贷款人申请按揭贷款。　　贷款手续需要：贷款人夫*双方的*明、户口本、结婚证、房权证（*合同）、土地证（或复印件）、无房证明、单位收入证明、担保公司的担保证明。　　一般由开发商集体办理一手房按揭，比较简单。　2、二手房按揭贷款　　买的是二手房，需要以刚买的房产抵押，自己为贷款人申请按揭贷款。　　贷款手续需要：*夫*双方*明、户口本、结婚证、房权证、土地证（或复印件）、*合同、契税票、评估报告、买方夫*收入证明和无房证明。　　申请办理按揭贷款时需要*双方到房管部门网签合同后就要到银行申请二手房按揭贷款，之后到房管部门办理过户手续、出证后办理抵押登记、到银行支取贷款。

Chloe克洛伊 08-06 09:44

如果买商品房的话，开发商会给你个单子，准备好材料就可以了，如果买二手房的话，要准备房产证原件及复印件、土地证原件及复印件、*双方的*原件及复印件，单位收入证明原件，民政局开的单身证明原件或者结婚证、离婚证原件复印件，如果是公积金贷款的话另外添加公积金缴存单，*双方本人到银行签订贷款合同，这个在交首付过户之前，等银行审批，一周左右审批通过银行会通知，然后再去交首付款，过户，过户后等新房产证拿到以后把原件和交税的单子原件交给银行，等银行下款就可以了，这样对双方都有保障

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