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请问一下银行办理房屋贷款流程有什么？

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请问一下银行办理房屋贷款流程有什么？

浏览：30次 | 提问时间： 08-06 11:42

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3个答案

回忆过去 08-06 11:43

要提前还贷,你需要到银行提出提前还贷申请,然后办理提前还贷手续.在还贷的次月你的还贷本息将递减.      你可以多次办理提前还贷直至贷款本息还清.

愚人岛屿纪 08-06 11:51

⑴售房商向贷款行提出按揭贷款合作意向。   ⑵贷款行对售房商开发...   个人住房贷款对象应是具有完全民事行为能力的自然人

以琛心灵小巷 08-06 12:00

流程　1)借款人到贷款银行办理借款申请。　　2)贷款银行审核合格后出具贷款意向书，借款人领取贷款所需的表格。　　3)借款人凭贷款意向书与售、建单位签订购建房合同或协议。　　4)借款人与贷款银行签订抵押合同，将自筹资金存入贷款银行。　　5)借款人办理担保手续：用房产抵押的借款人到产权部门办理“房屋他项权证”和“房地产抵押确认书”。用有价证券质押的，将有价证券交贷款银行收押，签订借款合同。　　6)用于购房的贷款，由贷款银行将贷款连同借款人存款一并划转到售房单位账户，用于建修房的贷款，借款人按借款合同支付。

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