array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(24) "银行办理房贷流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(1005491) ["id"] => string(7) "1005491" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944201797666) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1005491" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1005491" } [1] => array(11) { ["tagname"] => string(48) "北京居住证办理申请的流程是怎样的" ["inlink"] => int(0) ["addtime"] => string(10) "1599530139" ["tagid"] => int(1188114) ["id"] => string(7) "1188114" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950619082764) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1188114" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1188114" } [2] => array(11) { ["tagname"] => string(24) "申请流程是怎样的" ["inlink"] => int(0) ["addtime"] => string(10) "1600480630" ["tagid"] => int(1380113) ["id"] => string(7) "1380113" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503957884665885) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1380113" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1380113" } [3] => array(11) { ["tagname"] => string(30) "银行办理按揭房贷流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371456" ["tagid"] => int(471887) ["id"] => string(6) "471887" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503926919168009) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/471887" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/471887" } [4] => array(11) { ["tagname"] => string(24) "银行房贷办理流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(872993) ["id"] => string(6) "872993" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940402806809) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/872993" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/872993" } [5] => array(11) { ["tagname"] => string(54) "北京申请办理工作居住证的流程是怎样的" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1207609) ["id"] => string(7) "1207609" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951250325510) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1207609" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1207609" } [6] => array(11) { ["tagname"] => string(30) "银行购房贷款办理流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923693" ["tagid"] => int(909393) ["id"] => string(6) "909393" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503941480742929) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/909393" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/909393" } [7] => array(11) { ["tagname"] => string(21) "申请房贷的流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598923399" ["tagid"] => int(850341) ["id"] => string(6) "850341" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503939767369754) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/850341" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/850341" } [8] => array(11) { ["tagname"] => string(21) "办理房贷的流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924527" ["tagid"] => int(1057281) ["id"] => string(7) "1057281" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503945699164197) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1057281" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1057281" } [9] => array(11) { ["tagname"] => string(18) "申请房贷流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371558" ["tagid"] => int(480681) ["id"] => string(6) "480681" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927172923402) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/480681" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/480681" } [10] => array(11) { ["tagname"] => string(18) "房贷申请流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(500051) ["id"] => string(6) "500051" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927743348751) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/500051" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/500051" } [11] => array(11) { ["tagname"] => string(18) "银行申请房贷" ["inlink"] => int(0) ["addtime"] => string(10) "1598923473" ["tagid"] => int(873079) ["id"] => string(6) "873079" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503940404903970) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/873079" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/873079" } [12] => array(11) { ["tagname"] => string(24) "银行办理贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(995353) ["id"] => string(6) "995353" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943919730727) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/995353" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/995353" } [13] => array(11) { ["tagname"] => string(24) "银行办理按揭流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924443" ["tagid"] => int(1031397) ["id"] => string(7) "1031397" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944976695326) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1031397" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1031397" } [14] => array(11) { ["tagname"] => string(36) "买房办理贷款流程是怎样的" ["inlink"] => int(0) ["addtime"] => string(10) "1599534045" ["tagid"] => int(1202026) ["id"] => string(7) "1202026" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503951060533259) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1202026" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1202026" } [15] => array(11) { ["tagname"] => string(18) "房贷办理流程" ["inlink"] => int(0) ["addtime"] => string(10) "1594371661" ["tagid"] => int(500399) ["id"] => string(6) "500399" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503927752785948) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/500399" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/500399" } [16] => array(11) { ["tagname"] => string(18) "办理房贷流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924527" ["tagid"] => int(1051584) ["id"] => string(7) "1051584" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503945541877783) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1051584" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1051584" } [17] => array(11) { ["tagname"] => string(54) "杭州公租房申请流程是怎样的，如何申请" ["inlink"] => int(0) ["addtime"] => string(10) "1599530139" ["tagid"] => int(1179141) ["id"] => string(7) "1179141" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503950311849998) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1179141" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1179141" } [18] => array(11) { ["tagname"] => string(24) "银行申请贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(995260) ["id"] => string(6) "995260" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943917633560) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/995260" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/995260" } [19] => array(11) { ["tagname"] => string(24) "申请银行贷款流程" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(995323) ["id"] => string(6) "995323" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943919730697) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/995323" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/995323" } } ["counts"] => int(614431) ["pagecount"] => float(30722) }

当前位置：首页>

装修问答

其他

银行申请房贷办理流程是怎样的？

银行申请房贷办理流程是怎样的？

浏览：52次 | 提问时间： 08-07 02:53

分享到：

3个答案

帅比 08-07 02:53

银行贷款审批流程如下：
　　1、贷款的申请。借款人向当地信用社提出借款申请。除申请农村小额贷款外，申请其他种类的贷款须提供有关*。 ⑴借款人及保证人基本情况； ⑵财政部门或会计（审计）事务所核准的上年度财务报告，以及借款申请前一期的财务报告； ⑶原有不合理占用的贷款的纠正情况； ⑷抵押物、质押物清单和有处分权人的同意抵押、质押的证明及保证人拟同意保证的有关证明； ⑸项目建议书和可行性报告； ⑹信用社认为需要提供的其他有关*。
　　2、信用等级评估。信用社对借款人的信用等级进行评估。
　　3、贷款调查。信用社对借款人的合法性、安全性、盈利性等情况进行调查。
　　4、贷款审批。信用社按审贷分离、分级审批的贷款管理制度进行贷款审批。
　　5、签订合同。信用社与借款人签订借款合同。
　　6、贷款发放。信用社按借款合同规定按期发放贷款。
　　7、贷后检查。信用社对借款人执行借款合同情况及借款人经营情况进行追踪调查和检查。
　　8、贷款归还。贷款到期，借款人按时足额归还贷款本息，如要展期应在借款到期日之前，向信用社提出贷款展期申请，是否展期由信用社决定。

相伴行走 08-07 03:02

流程如下，可供您参考：
1.贷款人准备*：*、户口本、婚姻证明、收入证明、银行流水；
2.然后到银行签订贷款合同；
3.银行会审核贷款人及贷款人家庭的征信情况，如果征信没有问题的话就会打电话审核贷款人提交的*的真实性；
4.审核通过后银行就会叫贷款人把产权证拿到银行；
5.银行拿到房管局办理抵押后放款；

咻 08-07 03:10

第一步：借款人在办理贷款前，需要查明所购楼宇是否有银行提供个人住房按揭贷款承诺书，然后，借款人申请个人住房按揭贷款，填写《贷款申请审批表》，将有关材料(付首期款证明、*合同、*、经济收入来源证明等原件、复印件)提交贷款银行;
第二步：发展商：作为借款保证人在贷款申请审批表“保证人意见”栏上签字、盖章;
第三步：贷款银行：信贷员对借款申请人提交的全部*、文件进行审查，逐级审批;   贷款行领回办妥手续的材料并根据依法生效的借款合同发放贷款;
第四步：通知发展商领回借款合同并由发展商出具付清房款证明给贷款行;
第五步：通知借款人领回借款合同、借据、保险单;
  第六步：贷款行信贷员将贷款档案归档。   银行对个人贷款资格的审核，与工作年限有一定的关系，但并不是受到很大的影响，还需要其它的方面，如收入，*以及个人信用额度等等

装修问答

其他

银行申请房贷办理流程是怎样的？

最新问题

相关搜索

最新推荐

银行申请房贷办理流程是怎样的？