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房产加按揭办理抵押贷款的流程谁清楚?_其他_设计456问答
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房产加按揭办理抵押贷款的流程谁清楚?

浏览:60次 | 提问时间: 08-06 10:12
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2个答案
良辰 08-06 10:13

1、借款人持有效身份*;2.借款人已卖房人签订合法有效的房地产*合同或购房意向书,有所购房产总价款30%以上的自有资金;3.借款人有稳定、合法的收入来源,有按期偿还贷款本息的能力;4.能够提供银行认可的担保;5.借款人在银行开立存款帐户(或办理龙卡);6.建设银行规定的其他条件。我们先看看我们是否满足这些条件,如果我们满足这些条件我们就可以去银行申请贷款了,下面我们再来说说办理贷款之前应该准备的材料有哪些:1、借款申请书(一式两份);   2、*原件及复印件(一份)、户口薄原件及复印件(一份),已婚者应当提供婚姻关系证明和配偶的*复印件(各一份);   3、证明借款人具有还款来源、还款能力的资信材料,如薪资证明、纳税单、银行存折(单)、有价证券、投资证明、拥有其他财产的证明;4、或意向书原件及复印件(各一份);   5、房产的评估报告书;   6、提供其它抵(质)押作为阶段性担保的,提交抵押物或质押财产清单、权属证明文件,有权处分人包括配偶同意抵押或质押的书面声明。准备好材料之后我们就可以正式提出申请了,那么贷款的流程是怎样的呢?下面我就来分享一下贷款的流程:1、经银行同意,卖房人(原按揭借款人)与买方(二手房按揭借款申请人)进*产交易,签订购房合同或意向书;   2.向银行提出贷款申请,并提交相关*;   3.银行对借款人进行资信调查、审查后,通知借款人审查结果。银行同意贷款的,与借款人、担保人签订合同,与卖方签订《楼宇按揭借款补充合同》,卖方将贷款金额不足偿还卖方尚欠贷款本息的差额部分清偿。4.借款人委托银行与卖方办理房产交易过户、抵押登记、房产保险等手续;   5.银行取得《土地房屋他项权证》后,将贷款资金划入卖方在原贷款网点的按揭贷款帐户及相关帐户,用于偿还卖方所欠按揭贷款本息,剩余款项再划入卖方在银行开立的帐户。   6.借款人按期偿还贷款。

什么样的阳光才能暖人心脏 08-06 10:22

房产加按揭办理抵押贷款的流程1、借款人持有效身份*;2.借款人已卖房人签订合法有效的房地产*合同或购房意向书,有所购房产总价款30%以上的自有资金;3.借款人有稳定、合法的收入来源,有按期偿还贷款本息的能力;4.能够提供银行认可的担保;5.借款人在银行开立存款帐户(或办理龙卡);6.建设银行规定的其他条件。我们先看看我们是否满足这些条件,如果我们满足这些条件我们就可以去银行申请贷款了,下面我们再来说说办理贷款之前应该准备的材料有哪些:1、借款申请书(一式两份);   2、*原件及复印件(一份)、户口薄原件及复印件(一份),已婚者应当提供婚姻关系证明和配偶的*复印件(各一份);   3、证明借款人具有还款来源、还款能力的资信材料,如薪资证明、纳税单、银行存折(单)、有价证券、投资证明、拥有其他财产的证明;4、或意向书原件及复印件(各一份);   5、房产的评估报告书;   6、提供其它抵(质)押作为阶段性担保的,提交抵押物或质押财产清单、权属证明文件,有权处分人包括配偶同意抵押或质押的书面声明。准备好材料之后我们就可以正式提出申请了,那么贷款的流程是怎样的呢?下面我就来分享一下贷款的流程:1、经银行同意,卖房人(原按揭借款人)与买方(二手房按揭借款申请人)进*产交易,签订购房合同或意向书;   2.向银行提出贷款申请,并提交相关*;   3.银行对借款人进行资信调查、审查后,通知借款人审查结果。银行同意贷款的,与借款人、担保人签订合同,与卖方签订《楼宇按揭借款补充合同》,卖方将贷款金额不足偿还卖方尚欠贷款本息的差额部分清偿。4.借款人委托银行与卖方办理房产交易过户、抵押登记、房产保险等手续;   5.银行取得《土地房屋他项权证》后,将贷款资金划入卖方在原贷款网点的按揭贷款帐户及相关帐户,用于偿还卖方所欠按揭贷款本息,剩余款项再划入卖方在银行开立的帐户。   6.借款人按期偿还贷款。

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