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徐州二套房贷款流程是什么

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徐州二套房贷款流程是什么

浏览：36次 | 提问时间： 08-07 02:53

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百度搜不到你 08-07 02:53

二套房贷款流程如下：   　　⑴     购房人与售房人签订房屋*协议或房屋*合同；   　　⑵     符合条件的购房人向贷款银行提出借款申请，并提供有关证明材料；   　　⑶     *双方到贷款银行指定(认可)的评估机构进*屋评估；   　　⑷     律师事务所对借款人的资信证明材料和评估报告进行鉴证、调查、分析，出具《法律意见书》；   　　⑸     贷款银行进行审批，通知借款申请人是否同意贷款；   　　⑹     *双方办理产权过户手续，过户后，借款人到银行办理贷款手续；   　　⑺     购房人与贷款银行签订二手房抵押贷借款合同；   　　⑻     *双方将过户后的房屋所有权证送交贷款银行办理抵押登记手续；   　　⑼     借款合同生效后，贷款银行根据借款合同划付资金；   　　⑽     借款人按月还款；   　　⑾     借款人还清贷款本息，解除抵押担保。希望能帮到你

共游 08-07 03:02

徐州二套房贷款流程如下：   　　⑴     购房人与售房人签订房屋*协议或房屋*合同；   　　⑵     符合条件的购房人向贷款银行提出借款申请，并提供有关证明材料；   　　⑶     *双方到贷款银行指定(认可)的评估机构进*屋评估；   　　⑷     律师事务所对借款人的资信证明材料和评估报告进行鉴证、调查、分析，出具《法律意见书》；   　　⑸     贷款银行进行审批，通知借款申请人是否同意贷款；   　　⑹     *双方办理产权过户手续，过户后，借款人到银行办理贷款手续；   　　⑺     购房人与贷款银行签订二手房抵押贷借款合同；   　　⑻     *双方将过户后的房屋所有权证送交贷款银行办理抵押登记手续；   　　⑼     借款合同生效后，贷款银行根据借款合同划付资金；   　　⑽     借款人按月还款；   　　⑾     借款人还清贷款本息，解除抵押担保。

孤海深埋无尾鱼 08-07 03:10

第二套房屋贷款本质上与第一套贷款类似，差别只是贷款成数及贷款利率；其流程与第一套房贷是一样的，大致分为六步。第一步，签*合同；交易双方签署徐州市二套房*合同。第二步，面签；*双方到场与银行签署《个人住房贷款合同》，提供*、户口本等*明、收入证明、营业执照副本复印件加公章等*。当天可完成。第三步，初审；银行对客户贷款*进行审核，初审一般需要3-5个工作日。第四步，过户；经纪公司权证专员陪同客户办理过户手续，时间由各区房地局决定，比第五步，抵押，取得新房产证后，买方把房本及银行的抵押*送至房地局进行抵押；时效根据各区房地局抵押时间及抵押单量不等，由于交易量大，目前抵押需要排号；实际时间可能长于30个工作日。第六步；客户还款；做完抵押后，客户可以拿到新房产证，并开始按月还款，交易完结。

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