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有没有人知道深圳二手房按揭贷款流程有什么？

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有没有人知道深圳二手房按揭贷款流程有什么？

浏览：33次 | 提问时间： 08-06 11:32

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忘了他 08-06 11:33

但是一般情况下首付要多些（成数比如首付5成或6成，新商品房首付一般可以只付3成）还有就是如果是5年内的二手房要许交纳营业税，大约是总房价的5.7%目前商业贷款的年利率是6.55%      公积金的是4.5%

呆不拉几嘟大大 08-06 11:41

深圳二手房按揭流程第一步：满足年龄二手房按揭贷款的额度和时间由当地的银行机构根据*的贷款政策和借款申请的资信情况综合确定。但在二手房按揭贷款流程的时间限制中最长不超过30年，与借款人的年龄之和不超过65年。深圳二手房按揭流程第二步：具体条件1.借款人合法有效身份*；2.借款人收入证明、职业证明；3.借款人家庭户口登记薄；4.有配偶的需提供夫*关系证明；5.有共同借款人，需提供明确共同还款责任书；6.所购置二手房的产权证明；7.与卖方签订的房屋*合同及划款账号；8.同意*房屋的授权文件；9.如有抵押物，需评估机构出评估报告；深圳二手房按揭流程第三步：申请*买方：1.*(有配偶提供夫*双方)   、暂住证(外地人口)2.户口本(有配偶提供夫*双方)3.婚姻证明(结婚证、单身证明、离婚证)4.收入证明(单位提供)5.所在单位提供营业执照副本复印件6.*证明(大转以上提供)7.贷款人的银行活期存折8.银行要求的其他材料卖方前3条与买房相同4.提供同意*证明5.房屋产权证6.*房屋有关批准的文件7.银行要求提供的其他材料

Summer凉城 08-06 11:50

深圳二手房按揭贷款流程有：1、确定按揭服务公司和贷款方案。借款人在办理贷款前首先需要与中介确定按揭服务公司，并向按揭服务公司提出贷款咨询，确定贷款方案。2、查询公积金（若个人需公积金贷款）。与卖方确定购房意向后，借款人提供公积金帐号，由按揭服务公司进行公积金查询，确定可贷款的金额和贷款年限。3、签定房屋*合同。借款人与卖方必须签定房屋*合同。4、准备贷款*，审核贷款资质。按揭服务公司协助借款人按照银行要求准备贷款*，有的房屋需要由指定的评估公司进*价评估；并且由按揭服务公司进行初步审核。5、签贷款协议，公证，保险。按揭服务公司将初审后的贷款*交贷款银行审核，通过后，按揭服务公司将安排借款人与银行签定贷款协议和办理协议公证，同时收取费用，包括房屋保险费等。6、办理房屋过户和抵押手续。借款人到房屋所在区的交易中心办理房屋过户和抵押手续，并将抵押收件收据通过按揭服务公司交贷款银行。7、办理房产证和抵押证明。贷款人的房产证和他项权利证明办出后，按揭服务公司将您的产证复印件和他项权利证明原件交银行。8、银行放款。这是最终想达到的目的，也是贷款成功的最后一步。银行在收到借款人的以上两证后，按揭服务公司将所贷金额发放给借款人。

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