买房办理房屋按揭贷款所需资料详解

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">1、买房贷款主贷人及配偶(如有)身份证(或其它有效证件，如军官证)。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">2、买房贷款主贷人及配偶(如有)户口本。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">3、买房贷款主贷人及配偶(如有)收入证明(收入证明合计需要超过月供的两倍及收入流水(如需)。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">4、买房贷款主贷人婚姻证明(单身得证明或者结婚证，部分银行单身得证明不需要到民政局开，只要在规定格式上填写单身声明签字即可)。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">5、买房贷款主贷人以及配偶资产证明(如需)。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">6、房屋首付款证明。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">7、房屋买卖双方签定的《房屋买卖合同》。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">

portant;font-size:="" 18px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-size: inherit; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; white-space: normal; background-color: rgb(255, 255, 255);">贷款买房的具体流程是什么

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">1、选择房产：贷款之前，购房者需要先选好自己中意的房产，按照自己的需求选一处在自己承受范围内的房产即可，切勿冲动购房。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">2、签订买卖合同：房产看好了之后，交易双方可以就购房款的支付方式，支付时间，支付金额等具体细节进行协商，协商好之后就可以签订买卖合同了，需要注意的是，交易双方最好将房屋贷款无法按时发放的情形也写进合同里，并约定好违约责任。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">3、提交申请：借购房者确认自己可以得到贷款支持之后，便可向银行提交贷款申请，并且按照银行的要求准备好相应的贷款资料交由银行审查。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">4、银行审查：银行受理购房者的贷款申请后，会从民事主体资格、资信状况、还款能力等方面对购房者进行资格审查，以确认购房者是否符合规定条件。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">5、签订借款合同：银行收到购房者递交的按揭申请和有关法律文件，经审查确认购房者符合按揭贷款的条件后，发给购房者同意贷款通知或贷款承诺书。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">6、办理抵押手续：借款人到房屋所在区的交易中心办理房屋过户和抵押手续，并将抵押收件收据交给贷款银行。

portant;font-size:="" 16px="" !important;"="" style="-webkit-tap-highlight-color: transparent; box-sizing: border-box; color: rgb(85, 85, 85); margin-top: 0px; margin-bottom: 0px; outline: none; border: 0px; padding: 0px; list-style: none; font-family: "Helvetica Neue", Helvetica, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", 微软雅黑, Arial, sans-serif; text-indent: 0px; white-space: normal; background-color: rgb(255, 255, 255);">7、银行放款：所有的手续办理完毕之后，银行会发放贷款给借款人，借款人只要按时还款就可以了。