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无锡房屋抵押贷款办理流程有谁知道？

浏览：37次 | 提问时间： 08-10 04:15
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3个答案
戏子 08-10 04:16

您好，无锡以房产抵押、以经营的企业(工商执照）为贷款人申请贷款。　贷款人先到银行咨询抵押贷款事宜，再按照银行指定到评估公司申请评估，取得评估报告，之后贷款人夫*双方带着*明、户口本、结婚证、房权证、土地证（或复印件）、工商执照、税务*、收入证明、银行的资金流水、房屋的评估报告到银行申请抵押贷款，到房管部门办理抵押登记，到银行支取贷款！

归结为内疚 08-10 04:24

贷款人先到银行咨询抵押贷款事宜，再按照银行指定到评估公司申请评估，取得评估报告，之后贷款人夫*双方带着*明、户口本、结婚证、房权证、土地证（或复印件）、工商执照、税务*、收入证明、银行的资金流水、房屋的评估报告到银行申请抵押贷款，到房管部门办理抵押登记，到银行支取贷款！

暖心梦 08-10 04:32

无锡房屋抵押贷款办理流程贷款人向银行提出申请,递交相关材料----->进*产评估，贷前调查、审批----->审批通过，办理登记手续；银行发放贷款，借款人按合同按期归还贷款本息----->贷款还清，撤掉其抵押手续.银行商品房抵押（最常见的就是个人消费贷款），利息就是央行规定的年息（一般是上浮10%）房产抵押贷款申请材料:（1）房产证（2）权利人及配偶的*（3）权利人及配偶的户口本（4）权利人的婚姻证明(结婚证或民政局开具的未婚证明)（5）收入证明和近半年贷款人的收入流水清单（6）如房产证权利人有未成年儿童,请提供*（7）如房产内还有银行贷款,请提供原贷款合同及最后一期的银行对帐单（8）为提高贷款通过率,请尽量多的提供家庭其他财产证明,(如另处房产证、股票、基金、现金存折、车辆*等等)   般可以贷15-20年。

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