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中山二手房按揭的流程是什么样的？

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中山二手房按揭的流程是什么样的？

浏览：38次 | 提问时间： 08-07 03:04

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3个答案

你如温阳 08-07 03:05

中山二手房按揭的流程是：第一步，找好意*购买的二手房，该二手房必须产权明晰，符合*规定的进入房地产市场流通的条件。　　第二步，选择一家银行指定的能办理按揭贷款业务的二手房房产交易代理机构，并在该机构完成二手房房产价值评估工作，交纳房产评估费。　　第三步，借款人申请二手房抵押贷款应填写借款申请表，并向贷款银行提交所需材料;　　第四步，由银行指定的律师事务所进行资信审查，并负责组织对交易房屋进行二手房房价评估，所评估价值作为贷款银行确定贷款额度的依据;　　第五步，借款人与贷款银行签订借款合同;　　第六步，办理抵押、保险等有关担保手续;　　第七步，借款合同生效，资金划入借款人指定帐户。

乱心 08-07 03:13

二手房按揭贷款的常规流程共分7步，具体流程如下：1、银行征信调查（去*银行查买方的征信情况）；2、房屋产权调查（调查房产是否抵押，查封，析产，继承，共有权人情况）；3、向卖方支付定金并预留房屋尾款；4、房屋过户的同时银行审查贷款条件；5、银行发放贷款到卖方账户；6、双方共同去做物业交割（水、电、气、暖、物业费，原房主户口必须迁出）；7、向卖方支付尾款。买方要对房子的产权进行调查。审定房屋产权的完整性、真实性、可靠性，要注意产权证上的业主姓名与售房者是否相符，有无抵押或共有人等。

深海无爱 08-07 03:21

中山二手房按揭的流程：                                   第一步，找好意*购买的二手房，该二手房必须产权明晰，符合*规定的进入房地产市场流通的条件。          第二步，选择一家银行指定的能办理按揭贷款业务的二手房房产交易代理机构，并在该机构完成二手房房产价值评估工作，交纳房产评估费。                                   第三步，借款人申请二手房抵押贷款应填写借款申请表，并向贷款银行提交所需材料;   　　     第四步，由银行指定的律师事务所进行资信审查，并负责组织对交易房屋进行二手房房价评估，所评估价值作为贷款银行确定贷款额度的依据;   　     　第五步，借款人与贷款银行签订借款合同;                                   第六步，办理抵押、保险等有关担保手续：   　　     第七步，借款合同生效，资金划入借款人指定帐户

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