?
买房贷款流程是怎样的？_房产买卖_房产纠纷_捷律?/title>
<link href="//css.53law.com/style.css" rel="stylesheet" type="text/css" />
<link href="//css.53law.com/ask.css" rel="stylesheet" type="text/css" />
<link href="//css.53law.com/ShowArticle.css" rel="stylesheet" type="text/css" />
<link href="//css.53law.com/icon.css" rel="stylesheet" type="text/css" />
<!--[if lt IE 8]><!-->
<link rel="stylesheet" href="//css.53law.com/ie7/ie7.css">
<!--<![endif]-->
<SCRIPT src="/js/page.js" language="javascript"></SCRIPT>
<link href="/css/Page.css" rel="stylesheet" type="text/css" />
<meta name="keywords" content="">
<meta name="description" content="买房贷款流程是怎样的？_房产买卖_房产纠纷">
</head>
<body>
<div class="header">
<div class="topbar">
<div class="list">
<div class="left">
<div class="siteswitch" id="siteswitch">
正在加载，请稍?..
</div>
</div>
<div class="right">
<a href="/UserLogin.aspx">登录</a> | <a href="/UserReg.aspx">免费注册</a> | <a href="/Lawyer_Reg.aspx">律师入驻</a>
</div>
</div>
</div>
<div class="top_banner">
<a href="http://yun.53law.com/NewsView.aspx?ID=1" target="_blank" title="捷律云站 律师建站 律师建网?律师营销"></a>
</div>
<div class="head1">
<div class="logo"><a href="/"><img src="//img.53law.com/logo.png" alt="湖南律师在线" border="0" /></a></div>
<div class="slogan"><img src="/images/slogan.jpg" /></div>
<div class="search"><div class="search_form">
<input type="text" class="keyword" />
<button type="submit" class=""></button>
</div>
<div class="send_ask"><input
id="Button2" type="button" value="我要咨询律师" onclick="location.href='/ask/post.aspx';" class="button" /></div></div>
</div>
<div class="head2">
<div class="list">
<div class="topic">
<div class="hd"><a href="javascript:;">热点法律领域<i></i></a></div>
<div class="bd">
<ul>
<li>
<a href="/flzs/hyjt/">
<div class="btn_icon">
<i class="icon-heart-broken"></i>
</div>
<div class="btn_label">婚姻家庭</div></a>
</li>
<li><a href="/flzs/xsbh/">
<div class="btn_icon">
<i class="icon-library"></i>
</div>
<div class="btn_label">刑事辩护</div></a></li>
<li><a href="/flzs/jtsg/">
<div class="btn_icon">
<i class="icon-truck"></i>
</div>
<div class="btn_label">交通事?/div></a></li>
<li><a href="/flzs/fcjf/">
<div class="btn_icon">
<i class="icon-office"></i>
</div>
<div class="btn_label">房产纠纷</div></a></li>
<li><a href="/flzs/ldgs/">
<div class="btn_icon">
<i class="icon-accessibility"></i>
</div>
<div class="btn_label">劳动工伤</div></a></li>
<li><a href="/flzs/zqzw/">
<div class="btn_icon">
<i class="icon-coin-yen"></i>
</div>
<div class="btn_label">债权债务</div></a></li>
<li><a href="/flzs/zscq/">
<div class="btn_icon">
<i class="icon-quill"></i>
</div>
<div class="btn_label">知识产权</div></a></li>
<li><a href="/flzs/qyfw/">
<div class="btn_icon">
<i class="icon-display"></i>
</div>
<div class="btn_label">企业法务</div></a></li>
<li><a href="/flzs/yljf/">
<div class="btn_icon">
<i class="icon-aid-kit"></i>
</div>
<div class="btn_label">医疗纠纷</div></a></li>
<li><a href="/flzs/shpc/">
<div class="btn_icon">
<i class="icon-bookmarks"></i>
</div>
<div class="btn_label">损害赔偿</div></a></li>
<li><a href="/flzs/htjf/">
<div class="btn_icon">
<i class="icon-books"></i>
</div>
<div class="btn_label">合同纠纷</div></a></li>
<li><a href="/flzs/zdcq/">
<div class="btn_icon">
<i class="icon-earth"></i>
</div>
<div class="btn_label">征地拆迁</div></a></li>
</ul>
</div>
</div>
<div class="menu">
<ul>
<li><a href="/">首页</a></li>
<li><a href="/ask/">法律咨询</a></li>
<li><a href="/lawyer/">找律?/a></li>
<li><a href="/flzs/">法律知识</a></li>
<li><a href="/anli/">案例大全</a></li>
<li><a href="http://www.53law.com/">律师建网?/a></li>
</ul>
</div>
<div class="jielvyun"><a href="http://yun.53law.com/" target="_blank" title="捷律云站:律师建网?律师营销"><img src="/Images/jielvyun.jpg" style="border:0;" /></a></div>
</div>
</div>
</div>
<script type="text/javascript">
window.onload = function () {
getCitySite();
UserLogin_Topbar();
$(".topic").bind("mouseover", function () {
$(".topic .bd").stop().slideDown();
$(".topic .hd i").addClass("on");
});
$(".topic").bind("mouseout", function () {
$(".topic .bd").stop().slideUp();
$(".topic .hd i").removeClass("on");
});
};
</script>
<div id="Main">
<form name="form1" method="post" action="./ShowArticle_Temp.aspx?ID=725" id="form1">
<input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" value="/wEPDwUKMjA5ODg5Mzk2N2QYAQUGZ3ZUYWdzDzwrAAwBCAIBZPlHY1Kbs2xnAGPs/wJI35xZcizY7CWgMbE7zfQ3kyPE" />
<input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="EA2E7AE8" />
<div id="Nav">您的当前位置: <a href="/">捷律?/a> > <span id="lbNav"><a href="/flzs/fcjf/">房产纠纷</a> > <a href="/flzs/fcjf/fcmm/">房产买卖</a></span> > 正文</div>
<div id="Left">
<div id="Title"> <h1><span id="lalTitle">买房贷款流程是怎样的？</span></h1></div>
<div id="Author">
发布时间:<span id="lbInDate">2018/1/6 14:36:10</span> <span id="lbSource">来源:互联?nbsp; </span><span id="lbAuthor"></span>
阅读?<span id="Hits"></span></div>
<div id="Content">
<span id="lalContent"><p> 买房贷款流程具体如下?/p><p> <strong>一、楼盘审?/strong></p><p> 在借款人提出申请之前，信用社（部）需要对拟提供个人购房贷款的楼盘进行审查，楼盘审查操作流程为开发商申请→项目调查→审查、审批→签订项目合作协议书→贷后监管?/p><p> 房地产公司提出申请，信用社（部）要求房地产公司（以下简称“开发商”）提交以下资料?/p><p> 1、书面申请；</p><p> 2、公司资料、包括营业执照、税务登记证、法人代码证、企业章程、贷款卡、开户情况、公司概况、法人代表人或授权代理人证明书、股东会决议等；</p><p> 3、项目资料，包括房地产开发企业资质等级证、建设用地规划许可证、建设工程规划许可证、建设工程施工许可证，国有土地使用证、工程概预算资料、商品房预售许可证等?/p><p> 4、农村信用社认为需要提供其他资料?/p><p> 项目调查的主要内容有手续的合法性、项目资金到位情况、项目的基本情况，市场前景及效益状况。项目实地调查，核实资料、项目情况调查后撰写调查报告，将调查情况交审查部门，审批同意后与开发商签订《个人购房消费贷款项目合作协议》?/p><p> <strong>二、发放贷款操作流?/strong></p><p> 具体流程为：借款人申请→贷前调查→审查、审批→签订借款合同→办理保险、公证、担保等手续→发放贷款→资料归档→贷后管理→贷款偿还→清户撤押?/p><p> <strong>三、借款人申?/strong></p><p> 借款人申请个人购房贷款，所购房必须为现房或多层主体结构封顶、高层完成总投资三分之二以上的期房。需要借款人填写个人购房借款表并提供以下资料?/p><p> 1、借款人身份证件（居民身份证、户口簿或其他有效居留证件）?/p><p> 2、婚姻状况证明（已婚的提供结婚证或婚姻登记机关出具的夫妻关系证明书，未婚的提供未婚证明书）；</p><p> 3、不低于房价30%的首付款付款凭证；但对购买首套自住住房且套型建筑面积90平方米以下的可执行首付款比例不低?0%的规定；购买商业门面的首付款比例不得低于40%?/p><p> 4、房地产主管部门统一印制的、具有法律效力的商品房买卖合同；</p><p> 5、共有权人同意以所购房屋作为抵押物的证明；</p><p> 6、借款人家庭财产和经济收入证明，如果属于借款人家庭成员共同还款，则各方要签订共同还款责任确认书，明确在一方无力偿还贷款的情况下，其他方仍要继续承担还款责任?/p><p> <strong>四、受理和调查</strong></p><p> 信贷部门收到如上资料，对其资料的真实性、借款人偿还贷款本息能力进行调查，确定贷与不贷、贷款的金额和期限，调查的主要内容包括：</p><p> 1、首付款是否足额存入开立在信用社的售房专用账户上；</p><p> 2、房屋价格是否合理，与当地同类物业的市场价格是否相当?/p><p> 3、借款年限加借款人的年龄是否超过60年；</p><p> 4、抵押担保是否足额有效，共有人是否出具同意抵押的合法文书，必要时要求借款人提供房产评估报告及他项权利证书?/p><p> <strong>五、贷款审查、审?/strong></p><p> 审贷部门重点审查?/p><p> 1、购房行为的真实性，防止借款人和开发商串通骗取银行贷款；</p><p> 2、所购房屋价格与当地同类物业的市场价格是否相当，必要时可委托具有房地产评诂资质的机构进行评诂?/p><p> 3、共有人是否出具同意抵押的合法的书面意见?/p><p> 4、借款人偿还贷款本息的能力?/p><p> 审贷部门审查后，提出贷款额度和期限，可与借款人、开发商签订《个人购房借款合同》，直接报有权审批人审批。签订借款合同时，经办人主动向借款人、保证人讲解合同条款?/p><p> 在借款人办妥房屋保险、公证和抵押预登记手续后，方可发放贷款。发放贷款时，由信贷员填写借据，借款人签章或按指印认定，同时借款人签署《划款扣款授权书》，信用社将款项直接划入开发商在信用社开立的售房专户上，同时通知借款人贷款已经发放，开发商出具收款证明?/p><p> 信贷部门应在发放贷款?0个工作日内完成资料归档?/p><p><br/></p></span>
<div class="pages">
</div>
<div class="bdsharebuttonbox"><a href="#" class="bds_more" data-cmd="more"></a><a href="#" class="bds_qzone" data-cmd="qzone" title="分享到QQ空间"></a><a href="#" class="bds_tsina" data-cmd="tsina" title="分享到新浪微?></a><a href="#" class="bds_tqq" data-cmd="tqq" title="分享到腾讯微?></a><a href="#" class="bds_renren" data-cmd="renren" title="分享到人人网"></a><a href="#" class="bds_weixin" data-cmd="weixin" title="分享到微?></a></div>
<script> window._bd_share_config = { "common": { "bdSnsKey": {}, "bdText": "", "bdMini": "2", "bdMiniList": false, "bdPic": "", "bdStyle": "0", "bdSize": "24" }, "share": {}, "image": { "viewList": ["qzone", "tsina", "tqq", "renren", "weixin"], "viewText": "分享到：", "viewSize": "16" }, "selectShare": { "bdContainerClass": null, "bdSelectMiniList": ["qzone", "tsina", "tqq", "renren", "weixin"]} }; with (document) 0[(getElementsByTagName('head')[0] || body).appendChild(createElement('script')).src = 'http://bdimg.share.baidu.com/static/api/js/share.js?v=89860593.js?cdnversion=' + ~(-new Date() / 36e5)];</script>
</div>
<div id=UpDown>
上一篇：<a href='/p/201801/06145236.shtml'>开发商五证两书不齐全怎么处理?/a><br />
下一篇：<a href='/p/201801/06131814.shtml'>房屋认购书等于购房合同吗</a>
</div>
<div id="Tags">
<div id="TagsTitle" class="f14B"> 更多关于<font color=#FF0000><b>买房,贷款</b></font>的文?/div>
<div id="TagsContent" class="f14">
<div>
<table cellspacing="0" border="0" id="gvTags" width="100%">
<tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201707/07141052.shtml'>买房前切勿急躁 四大要素须考虑</a>
</td>
</tr><tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201707/07141505.shtml'>二手房买卖签订合同注意事?/a>
</td>
</tr><tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201707/07143346.shtml'>子女出资为父母购买房，离婚怎么分割?/a>
</td>
</tr><tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201709/07094338.shtml'>教育部：网贷机构不允许向在校大学生发放贷?/a>
</td>
</tr><tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201709/22104643.shtml'>监管层叫停校园贷 湖南高校学生仍可多平台贷?/a>
</td>
</tr><tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201709/27232359.shtml'>买房要先了解的期房交房流?/a>
</td>
</tr><tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201709/27232539.shtml'>申请贷款记得带全的资?/a>
</td>
</tr><tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201709/29113003.shtml'>房屋抵押贷款的法律依?/a>
</td>
</tr><tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201709/29114745.shtml'>什么是房产抵押贷款</a>
</td>
</tr><tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201709/29115242.shtml'>房产抵押消费贷款的五个秘?/a>
</td>
</tr><tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201709/29164946.shtml'>借父母名买房到底归谁?/a>
</td>
</tr><tr>
<td>
<samp>·</samp><a target="_blank" href='/p/201711/06162255.shtml'>公司法人贷款的责任是什么？</a>
</td>
</tr>
</table>
</div>
</div>
</div>
<script type="text/javascript" language="javascript">
pagetitle();
</script>
<span id="pagetitle"></span>
<span id="Spanpl"></span>
</div>
<div id="Right">
<div id="block3" class="block">
<div class="hd f18"> 最新推?/div>
<div class="bd">
<ul>
<li><a href='/p/201903/18224105.shtml' target=_blank title='拆迁安置房买卖可以过户吗' class="">拆迁安置房买卖可以过户吗</a></span></li>
<li><a href='/p/201812/05150648.shtml' target=_blank title='农村农民房屋可以买卖?' class="">农村农民房屋可以买卖?</a></span></li>
<li><a href='/p/201812/05150333.shtml' target=_blank title='先去办过户，还是先办公积? class="">先去办过户，还是先办公积?/a></span></li>
<li><a href='/p/201801/06145236.shtml' target=_blank title='开发商五证两书不齐全怎么处理? class="">开发商五证两书不齐全怎么处理?/a></span></li>
<li><a href='/p/201801/06143610.shtml' target=_blank title='买房贷款流程是怎样的？' class="">买房贷款流程是怎样的？</a></span></li>
<li><a href='/p/201801/06131814.shtml' target=_blank title='房屋认购书等于购房合同吗' class="">房屋认购书等于购房合同吗</a></span></li>
<li><a href='/p/201712/23104453.shtml' target=_blank title='商品房买卖合同什么情形下终止' class="">商品房买卖合同什么情形下终止</a></span></li>
<li><a href='/p/201712/23104253.shtml' target=_blank title='不想买房了购房定金能退? class="">不想买房了购房定金能退?/a></span></li>
</ul>
</div>
</div>
<div id="block4" class="block">
<div class="hd f18"> 相关法律咨询</div>
<div class="bd">
<ul>
<li><a target="_blank" href='/ask/view_8150_1.shtml'>买了房子贷款下不?全款退房要违约金五?/a>
</li>
<li><a target="_blank" href='/ask/view_8133_1.shtml'>楼房公摊问题</a>
</li>
<li><a target="_blank" href='/ask/view_1506_1.shtml'>购买房屋的实际付款日期和房地产商开具的发票...</a>
</li>
<li><a target="_blank" href='/ask/view_1668_1.shtml'>买房要几个人签字?</a>
</li>
<li><a target="_blank" href='/ask/view_2606_1.shtml'>住房贷款迟交的问?/a>
</li>
<li><a target="_blank" href='/ask/view_2778_1.shtml'>关于欠缴银行贷款一?/a>
</li>
<li><a target="_blank" href='/ask/view_3730_1.shtml'>有关一方贷款未经另一方同意情况下</a>
</li>
<li><a target="_blank" href='/ask/view_4188_1.shtml'>土地收益金和出让金有何区?是不是购买房?..</a>
</li>
</ul>
</div>
</div>
<div id="block5" class="block fixed">
<div class="hd f18"> 热门点击排行?/div>
<div class="bd">
<ul>
<li><img src="/images/num/1.png" /><a href='/p/201712/23104453.shtml' target=_blank title='商品房买卖合同什么情形下终止' class="">商品房买卖合同什么情形下终止</a></span></li>
<li><img src="/images/num/2.png" /><a href='/p/201801/06131814.shtml' target=_blank title='房屋认购书等于购房合同吗' class="">房屋认购书等于购房合同吗</a></span></li>
<li><img src="/images/num/3.png" /><a href='/p/201707/07141052.shtml' target=_blank title='买房前切勿急躁 四大要素须考虑' class="">买房前切勿急躁 四大要素须考虑</a></span></li>
<li><img src="/images/num/4.png" /><a href='/p/201712/23104253.shtml' target=_blank title='不想买房了购房定金能退? class="">不想买房了购房定金能退?/a></span></li>
<li><img src="/images/num/5.png" /><a href='/p/201801/06143610.shtml' target=_blank title='买房贷款流程是怎样的？' class="">买房贷款流程是怎样的？</a></span></li>
<li><img src="/images/num/6.png" /><a href='/p/201801/06145236.shtml' target=_blank title='开发商五证两书不齐全怎么处理? class="">开发商五证两书不齐全怎么处理?/a></span></li>
<li><img src="/images/num/7.png" /><a href='/p/201707/07143842.shtml' target=_blank title='认购书与商品房买卖合? class="">认购书与商品房买卖合?/a></span></li>
<li><img src="/images/num/8.png" /><a href='/p/201709/27122504.shtml' target=_blank title='商品房买卖流程是什? class="">商品房买卖流程是什?/a></span></li>
</ul>
</div>
</div>
</div>
</form>
</div>
<div class="footer">
<div class="list">
<div id="foot_menu">
<div class="left">
<ul>
<li><span class="f16b">公众会员指南</span><br />
<a href="/ask/post.aspx">免费咨询</a><br />
<a href="/lawyer/">快速找律师</a><br />
<a href="/flzs/">法律知识</a></li>
<li>
<span class="f16b">律师会员指南</span><br />
<a href="http://yun.53law.com">律师微信小程?/a><br />
<a href="http://yun.53law.com/">律师推广</a><br />
<a href="http://yun.53law.com/">律师建网?/a><br />
</li>
<li>
<span class="f16b">关于我们</span><br />
<a href="/about/aboutus.shtml">关于我们</a><br />
<a href="/about/contactus.shtml">联系我们</a><br />
<a href="/about/disclaimer.shtml">免责声明</a><br />
<a href="/about/message.shtml">留言反馈</a>
</li>
</ul>
</div>
<div class="right">
<div class="title">联系我们</div>
<div class="list">
联系电话: 15874956456<br />
QQ?466711078<br />
邮箱：webmaster@hn148.com
</div>
</div>
</div>
<div class="qrcode"><img src="/images/qrcode.jpg" width="150" height="150" />
<br />捷律网公众平?
</div>
</div>
<div class="copyright">
Copyright © 2016 - 2020 长沙捷律网络科技有限公司?a href="http://www.53law.com/">捷律?/a>?All Rights Reserved<br />ICP备案编号?a
href="http://beian.miit.gov.cn" target="_blank" rel="nofollow">湘ICP?6008841?2</a>
<a target="_blank" href="http://www.beian.gov.cn/portal/registerSystemInfo?recordcode=43010502000938" rel="nofollow" style="display:inline-block;text-decoration:none;height:20px;line-height:20px;"><img src="/images/gongan.png" style="float:left;"/>湘公网安?43010502000938?/a>
统一社会信用代码: <a href="/About/Zhizhao.aspx" title="营业执照" target="_blank">91430105MA4L4FMF9M</a>
</div>
</div>
<script>
var _hmt = _hmt || [];
(function () {
var hm = document.createElement("script");
hm.src = "https://hm.baidu.com/hm.js?efbb102bc9e2f558c1c26a9999f2e5a2";
var s = document.getElementsByTagName("script")[0];
s.parentNode.insertBefore(hm, s);
})();
</script>
<script type="text/javascript" src="/js/jquery.js"></script>
<script type="text/javascript" src="/js/common.js"></script>
<script type="text/javascript">
$(document).ready(function (e) {
getArticleHits(725,0);
t = $('.fixed').offset().top;
fh = $('.fixed').height();
$(window).scroll(function (e) {
s = $(document).scrollTop();
if (s > t - 10) {
$('.fixed').css('position', 'fixed');
$('.fixed').css('top', '5px');
} else {
$('.fixed').css('position', 'relative');
$('.fixed').css('top', '0px');
}
})
});
</script>
</body>
</html>