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锦州二手房贷款流程是啥？

锦州二手房贷款流程是啥？

浏览：31次 | 提问时间： 06-22 09:12

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碧海蓝天白婚纱 06-22 09:13

锦州二手房贷款流程：(一)流程:买卖双方须经过两步走转按包括两个方面，一是卖方提前偿还银行贷款，与银行解除债权债务关系，撤销抵押登记;二是买方申请二手房贷款，以所购住房作为新贷款的抵押担保，办理抵押登记。其业务流程为:第一步，卖方向银行提出申请。第二步，经银行审查同意的，由银行、卖方和买方签订协议，银行同意卖方转让住房，卖方承诺将售房款优先用于偿还银行贷款并授权银行从其在银行开立的账户上直接扣收尚未偿还的贷款本息，买方承诺交易时将房款划入卖方在银行开立的账户上。第三步，卖方和买方签订住房转让合同。第四步，买方向银行提出新的贷款申请，贷款额可以为卖方剩余贷款余额，也可以按照下列公式计算:贷款额

眼不见为净 06-22 09:21

所购住房市场价格×二手房贷款成数。第五步，银行经审批同意后，与买方签订新的借款合同和抵押合同，出具同意贷款的承诺函。第六步，卖方与买方办理产权过户手续。第七步，银行与卖方到房地产管理部门办理注销抵押登记手续，同时与买方申办新的抵押登记手续。第八步，银行对买方发放贷款，根据买方的授权，将贷款划到卖方开立的账户上，然后根据卖方的授权，从账户上直接扣收卖方尚未偿还的贷款本息，终止原借款合同。

眼不见为净 06-22 09:30

锦州二手房贷款流程1，买卖双方提交资料2，审核人员对资料进行审核3，面签4，评估房屋5，批货6，办理过户7，银行放款8，办理抵押登记

她是宝我是渣 06-22 09:38

折叠实地看房产权验证折叠签署合同折叠填写合同折叠抵押手续办理抵押①、抵押合同第十六条其他事项应填上:贷款用于购买二手房，房屋坐落于...(具体位置)。②、借款合同第一条4小项:本合同项下的贷款权仅限用于:购买...(具体位置)的房产。③、房管局出的档案袋上面应写:二手房抵押。④、抵押7天后领他项权证。折叠银行放款银行放款后，需向银行提供借款人的契税证明、房地产买卖契约的复印件，居间机构还需在laquo;二手房按揭转款确认书raquo;盖公章。

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锦州二手房贷款流程是啥？

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锦州二手房贷款流程是啥？