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按揭贷款买二手房流程有哪些

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按揭贷款买二手房流程有哪些

浏览：48次 | 提问时间： 06-22 09:12

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3个答案

予我温暖 06-22 09:13

流程是这样的：和业主一起到银行，向银行申请贷款――银行贷款获批，出按揭合同――与业主一同到房管局过户(递件)――完税(房管所审核文件无误后通知买卖双方完税)――房产证更名(当场可以看到房产证原件，上面是你的名字，但一般马上会被按揭公司/银行拿走)、――抵押至银行(银行有一堆抵押手续要做，等待银行放款)――放款(按揭公司或银行会通知你，放款后第二个月就要开始还贷了)――拿到按揭合同/房产证原件(不是每个银行都会把房产证给你，一些银行会一直帮你保管房产证直至还清贷款)

hateyou彡 06-22 09:21

按揭贷款买二手房流程1、与卖方及中介签订协议，支付购房定金；2、中介会收集全你的资料与他们熟悉的银行办理贷款，当然，也可根据你自己的意愿选择贷款银行；3、因一般人在卖房时尚未还清贷款，因此存在赎楼的问题，即卖房人需提前还清贷款，一般有两种办法：买方出钱赎楼，所付费用在后续结算；或者卖方自己赎楼，通产就需要找担保公司了，会发生一笔手续费用，现在很多卖家都要求实收，因此一般买方主动配合赎楼或者双方再协商；4、与银行签贷款合同并审批后办理抵押登记，贷款手续办好后中介会叫上买卖双方到房产交易中心(各地名字不一样)办理房产转让手续，缴纳契税等各种税费，；5、最终你只能拿到房产证(上有贷款事项注明)的复印件，原件放在银行，还清贷款后拿回原件

hateyou彡 06-22 09:30

房贷款流程是：选择房产――办理按揭贷款申请――办理按揭贷款申请――签订购房合同――签订楼宇按揭合同――办理抵押登记、保险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。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》。

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