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宁波住房抵押贷款有哪些流程？

宁波住房抵押贷款有哪些流程？

浏览：53次 | 提问时间： 08-07 02:54

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怎能比你 08-07 02:55

你好流程1、*双方签订房屋*合同，约定首付款、贷款和尾款的金额;2、购房人及配偶当面向银行申请贷款，售房人及配偶到场确认;3、银行对贷款申请进行调查、审批;4、购房人与银行签订借款及担保合同;5、售房人将房屋产权过户给购房人，售房人向购房人取得首付款;6、购房人与银行办理房产抵押登记(或由其他自然人、法人为购房人提供阶段性担保);7、银行向售房人账户发放贷款;8、*双方办理房屋物业结清，售房人向购房人取得尾款;9、购房人收房，按月还款(阶段性担保情况下，购房人与银行补办房产抵押登记)

夏木任曦 08-07 03:04

抵押房产需要满足的条件： 1．用于抵押的房产与贷款经办机构必须位于同一城市，个人消费贷款不接受异地抵押品。抵押物为商业用房的，还要满足个人商业用房贷款对抵押物的相应要求； 2．已办妥产权证明，产权清晰，可上市流通并能依法办理抵押登记，没有产权争议等不利变现的情况； 3．具有较强的变现能力，房产结构完好，水、电、环保交通、城建、物业管理等各项配套设施和服务齐全，不存在纠纷和问题，不在*规划的拆迁范围内； 4．评估现值在10万元以下（含）的房产，不接受抵押； 5．房龄（指房产已竣工年限）在20年以上（含）的房产，原则上不接受抵押； 6．抵押物必须经我行认可的专业评估机构进行评估7．我行规定的其他条件。希望可以帮到您，谢谢。

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