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谁知道二手房屋贷款流程是什么_其他_设计456问答
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谁知道二手房屋贷款流程是什么

浏览:33次 | 提问时间: 08-07 03:00
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3个答案
瞳乱心绪 08-07 03:01

1、贷款经审批同意的,贷款银行与借款人签订个人住房抵押借款合同,办理保险、公证等手续;2、贷款银行出具个人住房贷款承诺书,承诺在借款人完成所购房屋产权过户和抵押登记手续后,按合同约定发放贷款;3、售房人与借款人办理产权过户登记,借款人同时办理抵押登记,并将已办妥抵押登记手续的房屋所有权证和他项权利*交由贷款银行收执;4、借款人签署划款扣款授权书;5、贷款银行填写借据经借款人签章或按指印认定后,根据划款扣款授权书的约定,将贷款划到售房人在贷款银行开立的账户上,同时通知借款人贷款已经发放,售房人出具收款凭证。

婊说灭婊我笑了 08-07 03:09

商业贷款:1.约银行   2.和银行贷款专员预约面签时间   3.预约成功面签(签借款合同),面签过后补齐银行所需材料,(个人所需材料,*,户口本,结婚证(单身可不提供)外地人需提供本市暂住证,外地户口需提供社保和纳税证明其一满五年均可。银行流水或银行大额存款,收入证明(收入证明需开您银行贷款的月缴存额的2倍以上)公司营业执照副本加盖公章,*证明(大专以上提供)4.材料提交齐全以后等待银行批贷   5.银行批贷建委过户出新房产证   6.建委出抵押登记申请表   7.备齐抵押登记材料银行签字盖章   8.去建委抵押登记手续,建委出他项权利证,房产证和权利正递交给银行   9.3-4个工作日后银行放款。10.大概一个月后去银行取房产证和银行借款合同。

向晚如歌 08-07 03:17

你好。一下仅供参需要贷款的二手房交易流程:1、   卖方到中介挂牌。(一般卖方会在好多个中介挂牌,在没有买方成交意向前,只要知道房屋的大致情况即可)2、   买方有初步意向,中介带其看房。3、   买方决定购买,向中介公司交意向金,并签意向金协议书。(中介公司应先询问卖方此房屋是否尚未卖出)(买方应注意意向金何时转化为定金)4、   中介公司联系卖方,将产证原件即卖方*复印件留下。5、   中介公司凭产证复印件去房屋所在地房地产交易中心拉“确权单”(确认产权人基本*、房屋是否设定抵押或租赁等)6、   中介公司尽快将意向金交至卖方(最好约上买方一起),此时意向金在性质上已转化为定金。对双方都具有了约束力。7、   中介公司约*双方,一起就*合同的各项条款进行协商。(成交价几何、房屋内固定设施如何处置、何时付首付及首付多少、过户期间、交房时间、户口迁移问题、尾款何时付、物业维修基金及过户等);(中介公司一般先打印两份合同草案,以便双方协商修改)8、中介公司会初步判断买方是否符合贷款条件(将买方及房屋基本*告知合作的贷款公司,做初步评审,评审贷款人及评估房屋价格),防止其无法贷款或不能贷足而引发定金纠纷。房产中介针对不同的贷款人会选择不同的步骤:a、   主贷人资信很好(年龄、*、工作、收入、现有资产以及配偶情况、有无子女等综合考虑),一定能够贷全额,那么中介公司会先进行第8项,然后凭此*合同,约买方即银行工作人员一同办理贷款手续(若卖方有时间也愿意配合更好)。b、   主贷人资信很一般,是否能贷款还不能确定。为了避免双方签署正式合同后买方无法贷款而引发纠纷,中介公司会到第7项后,直接约买方即银行工作人员办理贷款手续。等贷款审批下来后再约双方签署正式合同。9、贷款审批下来后。买方付足约定的首付款给卖方。10、中介公司拿银行抵押登记材料,约*双方去交易中心办理过户手续。11、20个工作日后,凭《收件收据》领《房地产权证》,以及《他项权利证明》(银行抵押权设定凭证)。房产证买方自己保管,同时将《他项权利证明》、及契税单复印件尽快送至贷款银行。12、   银行放款至卖方指定帐户。

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