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抵押房产处理流程哪位清楚？

抵押房产处理流程哪位清楚？

浏览：43次 | 提问时间： 08-10 02:52

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你的她貌美如狗 08-10 02:53

抵押房产处理流程：抵押登记申请办理房地产抵押登记，应当向登记机关提交下列文件：(1)房地产抵押登记申请书；(2)抵押当事人的*明或法人*明；(3)抵押合同；(4)《国有土地使用证》、《房屋所有权证》或《房地产证》；(5)可以证明抵押人有权设定抵押权的文件与证明材料；(6)可以证明抵押房地产价值的*；(7)登记机关认为必要的其他文件。受理申请审查申请人所提交的文件是否真实、齐备，申请文件不符合规定的，不予受理；申请文件符合规定的，则予受理，给该申请编号并给回执，回执注明所收取的文件、受理日期和编号。审核(1)登记机关从房地产登记册查明申请转移登记的房地产权利状况，如有下列情形之一的，驳回转移登记申请：A．权属来源的性质是限制抵押(包括福利房、微利房，行政划拨土地、减免地价土地)而未取得有关部门同意的；B．根据城市规划，*决定收回土地使用权的；C．司法机关、行政机关依法裁定，决定查封或者以其他形式限制房地产权利的；D．共有房地产，未经其他共有人书面同意的；E．权属有争议的；F．法律、法规或市、区*规定禁止转让的。驳回登记申请，应自受理申请之日起在规*间内书面通知申请人。(2)从房地产登记册或电脑记录中查明申请抵押登记的房地产的权利状况后，审查下列文件是否真实、齐全和有效：A．*明；B．《房地产证》或其他房地产权利*；C．抵押登记申请书是否按要求填写；D．抵押合同书是否符合有关法律、法规的规定。经审核符合规定的予以核准登记，并通知抵押当事人。登记(1)对核准抵押登记的，在房地产权利*上加盖抵押专用章，并在房地产登记册上作抵押记录。抵押记录应包括抵押人，抵押权人，抵押物名称、面积、价值、抵押金额和抵押期限等内容。(2)预购的房地产抵押时，应在*合同书上加盖抵押专用章。收费发证(1)登记费的收取标准按*或地方的有关规定执行。(2)将已加盖房地产抵押专用章的房地产权利*在规*间内退回抵押当事人(由抵押当事人凭回执、*明及交费凭证领取)。立卷归档按规定建立土地和房地产登记的档案。希望我的回答能够帮到你。

小倔強 08-10 03:02

首先，住房贷款还清，无抵押，手里有住房房产证，契税证，以及土地证。然后，你拿着*，户口本，婚姻证明（如果结婚是结婚证，需要你配偶持有*和你一起办理，签字，才可以），住房以上三证。以及你的收入情况证明，贷款需求证明。到该住房所属地区商业银行，咨询办理抵押贷款申请手续，一般是先受理，再审核，通过了会找评估公司给你住房做个评估，根据评估价格打七折或六折，放款给你。

我不会发光但我会爆炸 08-10 03:10

1、客户咨询通过双方沟通，确定用户是否有现房、是否有房产证、房子有无贷款、有没有拿此房做相关抵押，或者相关抵押是否已经解除。否有二套房产2、审核谈判初步审核客户*。是否齐全（*、房产证、共有产权人数、户口本、结婚证、离婚证、未再婚证明），并约定利率、金额、期限以及手续费用。3、考核评估考核贷款方款用途，确认房产地址，评估房产价值。去相关单位查询房产档案，查询个人征信系统。查看借款人银行流水。4、签订合同房屋抵押借款合同一式三份，借贷双方各一份，房管局备一份，无二套房需签被安置承诺书，或提供第二套房，地址问题。5、抵押登记所需*：借贷双方*原件及复印件一份，房产证原件及复印件一份，合同一份，价值协议书一份。6、领取权证3--5个工作日以后：抵押人（房主）凭借*原件领取房产证，也可以留在房管局，解押时一并取回。抵押权人（放款人）凭借*原件领取他项权证抵押登记费用：目前济南的一般价格是单笔80元整，以前有所回落。7、借据放款借款人本人手写借条。放款时通过银行全额转账，保存流水凭证。放款人收取借款方*，户口本、结婚证房产证等复印件8、利息率约借款期间，根据合同约定按时支付利息，记录放款人收取利息的银行账号。9、还款解押还款转账放款人交还借条及所有的材料，并书写结清证明（房管局有模板）注销抵押登记，抵押双方的*原件，房产证原件，他项权证原件，结清证明。

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