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谁知道买房子按揭流程有哪些？

谁知道买房子按揭流程有哪些？

浏览：35次 | 提问时间： 08-06 09:27

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氧气萌主 08-06 09:27

很简单，第一，看好房子并下定；第二，向房地局申请是否批准；第三，签合同并拿到房地局备案；第四，于贷款银行签订按揭合同。第五，准备按揭所需材料（*复印件、结婚证复印件或单身证明、半年银行流水）

十年寄 08-06 09:36

、住房按揭贷款流程有哪些？（一）售房商向贷款行提出按揭贷款合作意向。（二）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。（三）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%)。（四）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*。（五）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。（六）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。（七）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。

随遇而安 08-06 09:44

房子按揭流程：(1)选择房产购房者如想获得楼宇按揭服务，在选择房产时应着重了解这方面的内容。购房者在广告中或通过销售人员的介绍得知一些项目可以办理按揭贷款时，还应进一步确认发展商开发建设的房产是否获得银行的支持，以保证按揭贷款的顺利取得。(2)贷款申请购房者在确认自己选择的房产得到银行按揭支持后，应向银行或银行指定的律师事务所了解银行关于购房者获得按揭贷款支持的规定，准备有关法律文件，填报《按揭贷款申请书》。(3)签订购房合同银行收到购房者递交的按揭申请有关法律文件，经审查确认购房者符合按揭贷款的条件后，发给购房者同意贷款通知或按揭贷款承诺书。购房者即可与发展商或其代理商签订《商品房预售、销售合同》。(4)签订楼宇按揭合同购房者在签订购房合同，并取得交纳房款的凭证后，持银行规定的有关法律文件与发展商和银行签订《楼宇按揭抵押贷款合同》明确按揭贷款数额、年期、利率、还款方式及其他权利义务。(5)办理抵押登记、保险购房者、发展商和银行持《楼宇按揭抵押贷款合同》及购房合同到房地产管理部门办理抵押登记备案手续。对期房，在竣工后应办理变更抵押登记。在通常情况下，由于按揭贷款期间相对较长，银行为防范贷款风险，要求购房者申请人寿、财产保险。购房者购买保险，应列明银行为第一受益人，在贷款履行期内不得中断保险，保险金额不得少于抵押物的总价值。在贷款本息还清之前，保险单交由银行执管。(6)开立专门还款账户购房者在签订《楼宇按揭抵押贷款合同》后，按合同约定，在银行指定的金融机构开立专门还款账户，并签订授权书，授权该机构从该账户中支付银行与按揭贷款合同有关的贷款本息和欠款。银行在确认购房者符合按揭贷款条件，履行《楼宇按揭抵押贷款合同》约定义务。并办理相关手续后，一次性将该贷款划入发展商在银行开设的银行监管账户，作为购房者的购房款阶段性担保的的个人住房贷款业务。

多么痛的领悟 08-06 09:53

你好，通过按揭购房的程序如下：1、选房后签订认购协议，缴纳部分定金。（注意，这一步不是必须的，也可以直接从第二部开始）2、签订购房合同，交首付款。3、提供个人*、首付收据、购房合同、单身证明（若结婚就是结婚证，夫*双方各种*），开发商协助办理的抵押担保到银行去申请按揭贷款。若你们是共同出资，需要两个人一块签署购房合同并办理贷款，若是你个人行为，不需要你女友参与。4、银行审核放款，你们开始按月还贷款。目前开发商没签合同，你们绝不要付首付款，这样没有法律保障。另外买房与结婚没有必然联系，若你们想让房产成为共同财产，就先结婚后签合同，若不是，就尽早办理。希望对你有用

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