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房产贷款抵押流程是什么？

房产贷款抵押流程是什么？

浏览：40次 | 提问时间： 08-10 08:59

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把我忽略 08-10 09:00

本文只介绍北京房产抵押贷款的相关政策和规定以及办理条件和流程，其他地方需要做抵押房屋贷款的业主可做为参考，具体细节需咨询当地的银行或担保公司。抵押房屋贷款从贷款期限来说可以分为长期贷款和短期贷款两种，贷款期限低于一年的称为短期贷款，此种贷款银行不予受理，业主可通过担保公司或民间借贷的形式来办理；贷款期限长于一年的，业主可备齐*去相关银行申请办理，如果个人资质不好或者某些*不齐，可以由担保公司提供担保办理贷款。抵押房屋贷款从贷款品种来说可以分为个人消费贷款和企业经营贷款。这两种贷款方式的区别在于：个人消费贷款可贷的额度比较低，大约在500万以内，而企业经营贷款可以贷到1000万以上；个人消费贷款最长可贷十年，而企业经营贷款最长只能贷五年；个人消费贷款的还款方式只能是等额本息或等额本金的还款方式，而企业经营贷款的还款方式除了等额本息和等额本金之外，还可以选择按月付息到期归本的还款方式。抵押房屋贷款要求房屋所具备的条件：1、有*的房屋产权证；2、建成年代在二十年以内；3、必需是可以自由*、可做抵押登记的房产。住宅、别墅、办公楼、商铺、经适房、回迁房等房屋种类不限。达不到以上条件的房产可通过担保公司担保办理贷款。

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房产贷款抵押流程是什么？

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