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求解沈阳买房贷款流程是怎样的？

求解沈阳买房贷款流程是怎样的？

浏览：36次 | 提问时间： 08-07 02:54

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要走走 08-07 02:55

你好，沈阳买房贷款流程如下：1.要核实你的信用纪录。 2.核实你的身份以及贷款*、*、户口、结婚证或者单身证明或者离婚证、经济收入证明、首付款收据。上述*必须夫*双方的(如果有的话)。 3签订贷款合同。 4.开发商拿房地局去备案，到原抵押银行去解押，在到现贷款银行放贷中心审核*。5.放贷中心电话调查*之后，抵押房产，放款。一般整个流程在1个月左右，如果是公积金贷款的话那就慢了， 4-6个月还不一定下的来，。希望能帮到你！

往我伤口上撒盐的你真疼我 08-07 03:03

沈阳买房贷款流程(1)*双方签订《房屋*合同》，在合同中约定买方通过二手房贷款的方式支付房款，并约定首付款及贷款的比例。 (2)*双方共同到银行办理申请手续并递交贷款材料。 (3)银行初审。银行首先审查双方签订的房屋*合同、卖方的房屋产权及建成年代，并委托银行指定的房地产评估机构对房屋的价格进行评估，银行按照评估的价格作为放贷成数的依据，银行要求*双方提交*。银行通过调查，确定该房屋无法院查封、抵押等情况，并审核买方提供的收人证明等文件。 (4)交纳律师费、保险费。买方交纳委托律师*事项的费用(评估、保险、过户税费)。 (5)银行批贷。如申请人的条件符合银行的要求，则银行批准贷款申请，买方与银行签订资金借贷合同、担保合同。*双方同时开立账户，签署《授权委托书》(授权银行将贷款及首付款划至其账户)。买方将首付款存于银行，银行向买方发放《贷款承诺函》。买方签署《付款授权书》(授权银行冻结首付款，银行放贷后将贷款及首付款划至卖方账户)。 (6)贷款手续办好后，*双方共同到房屋交易主管部门办理房产交易过户手续。一(7)买方取得自己名下的房屋所有权证之后，办理抵押登记，房管部门核发《他项权利*》并在《房屋所有权证》的他项权利一栏中注记。 (8)银行放贷。银行通知*双方办理放款事宜，并将材料交与借款人，买方签署《借据》，银行发放贷款。银行贷款同买方首付款一并划入卖方账户，卖方签署《收据》。 (9)借款人按照规定的还款方式，按时归还借款。 (10)借款人还清所有贷款后办理抵押登记注销手续。

够情长 08-07 03:12

首先看你的贷款条件:是否满足以下条件其中一条:1、外在户口在沈阳是否缴纳养老保险一年以上2、在沈阳是否有一年以上的纳税证明。如若满足其中一条,均可申请贷款。贷款要件:*、户口本、婚姻证明、收入证明、个别银行还需要银行流水贷款最短年限是5年,贷款可以选择商业贷款、公积金贷款或者组合贷款

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求解沈阳买房贷款流程是怎样的？