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借款_blank class=infotextkey>get=_blank class=infotextkey>人到_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋所在区的_blank class=infotextkey>get=_blank class=infotextkey>交易_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋_blank class=infotextkey>get=_blank class=infotextkey>过户和抵押_blank class=infotextkey>get=_blank class=infotextkey>手续，并将抵押_blank class=infotextkey>收件_blank class=infotextkey>收据_blank class=infotextkey>get=_blank class=infotextkey>通过_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>服务_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司交_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行。
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8、_blank class=infotextkey>get=_blank class=infotextkey>银行放款
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问：_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>购买.fan_blank class=infotextkey>g558.com/esf/ tar_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>二手_blank class=infotextkey>get=_blank class=infotextkey>房，是先_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>还是先_blank class=infotextkey>get=_blank class=infotextkey>过户?
答：先_blank class=infotextkey>get=_blank class=infotextkey>贷款后_blank class=infotextkey>get=_blank class=infotextkey>过户
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问：_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款买.fan_blank class=infotextkey>g558.com/esf/ tar_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>二手_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程是_blank class=infotextkey>get=_blank class=infotextkey>怎样的?
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class=infotextkey>金缴存_blank class=infotextkey>get=_blank class=infotextkey>证明(或_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金对账簿)及_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>get=_blank class=infotextkey>证明;(_blank class=infotextkey>3)所_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房屋的_blank class=infotextkey>get=_blank class=infotextkey>评估_blank class=infotextkey>get=_blank class=infotextkey>报告书;(4)_blank class=infotextkey>get=_blank class=infotextkey>买卖_blank class=infotextkey>get=_blank class=infotextkey>双方签_blank class=infotextkey>_blank class=infotextkey>定的《_blank class=infotextkey>get=_blank class=infotextkey>存量_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同》;(5)_blank class=infotextkey>原卖方_blank class=infotextkey>get=_blank class=infotextkey>名_blank class=infotextkey>get=_blank class=infotextkey>下的《_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋所_blank class=infotextkey>get=_blank class=infotextkey>有权证》、《国_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>土_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>使用证》(_blank class=infotextkey>原件及复印件);(6)_blank class=infotextkey>get=_blank class=infotextkey>夫妻_blank class=infotextkey>get=_blank class=infotextkey>双方_blank class=infotextkey>get=_blank class=infotextkey>身份证、_blank class=infotextkey>get=_blank class=infotextkey>户口薄、婚姻_blank class=infotextkey>get=_blank class=infotextkey>证明(_blank class=infotextkey>原件及复印件,_blank class=infotextkey>单_blank class=infotextkey>get=_blank class=infotextkey>身职工应_blank class=infotextkey>get=_blank class=infotextkey>提供_blank class=infotextkey>单_blank class=infotextkey>get=_blank class=infotextkey>身_blank class=infotextkey>get=_blank class=infotextkey>证明);三、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心受理审批:市_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心受理借款_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>资料,审批确_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>贷款额度及年_blank class=infotextkey>get=_blank class=infotextkey>限;四、_blank class=infotextkey>get=_blank class=infotextkey>交易_blank class=infotextkey>get=_blank class=infotextkey>过户: _blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋_blank class=infotextkey>get=_blank class=infotextkey>买卖_blank class=infotextkey>get=_blank class=infotextkey>双方到_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产局及_blank class=infotextkey>get=_blank class=infotextkey>土_blank class=infotextkey>get=_blank class=infotextkey>地局_blank class=infotextkey>办理权证_blank class=infotextkey>get=_blank class=infotextkey>交易_blank class=infotextkey>get=_blank class=infotextkey>过户_blank class=infotextkey>get=_blank class=infotextkey>手续;五、签订_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同:借款_blank class=infotextkey>get=_blank class=infotextkey>人持已_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>交易_blank class=infotextkey>get=_blank class=infotextkey>过户的权证及契税完税发票(_blank class=infotextkey>原件及复印件)到市_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心,由市_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心出具_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>承诺书到指_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>银行签订《借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同》、《抵押_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同》等_blank class=infotextkey>get=_blank class=infotextkey>贷款文件,卖方在_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行开立存款专户;六、_blank class=infotextkey>办理抵押:借款_blank class=infotextkey>get=_blank class=infotextkey>人到_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产局_blank class=infotextkey>办理抵押_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋_blank class=infotextkey>get=_blank class=infotextkey>登记并_blank class=infotextkey>get=_blank class=infotextkey>领取《_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋他项权证》;七、发放_blank class=infotextkey>get=_blank class=infotextkey>贷款:_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>手续_blank class=infotextkey>get=_blank class=infotextkey>全_blank class=infotextkey>部办妥后,由市_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心将_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>通过_blank class=infotextkey>get=_blank class=infotextkey>银行直接划转到卖_blank class=infotextkey>get=_blank class=infotextkey>房方已开立的存款专户内。
问：.fan_blank class=infotextkey>g558.com/esf/ tar_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>二手_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>手续费包括_blank class=infotextkey>get=_blank class=infotextkey>哪些_blank class=infotextkey>get=_blank class=infotextkey>费用
答：_blank class=infotextkey>get=_blank class=infotextkey>涉及_blank class=infotextkey>get=_blank class=infotextkey>按揭或转_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>时，_blank class=infotextkey>get=_blank class=infotextkey>需要支付_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司、_blank class=infotextkey>get=_blank class=infotextkey>评估_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司及_blank class=infotextkey>get=_blank class=infotextkey>银行等相关机构的_blank class=infotextkey>get=_blank class=infotextkey>服务_blank class=infotextkey>get=_blank class=infotextkey>费用。_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>费用_blank class=infotextkey>get=_blank class=infotextkey>主要包括：
1._blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋查案费：_blank class=infotextkey>get=_blank class=infotextkey>每证90元，由_blank class=infotextkey>get=_blank class=infotextkey>房管局_blank class=infotextkey>收取;
_blank class=infotextkey>get=_blank class=infotextkey>2._blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋_blank class=infotextkey>get=_blank class=infotextkey>评估费：评_blank class=infotextkey>get=_blank class=infotextkey>估价×0.5%，塘厦，由_blank class=infotextkey>get=_blank class=infotextkey>评估_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>收取。_blank class=infotextkey>如果_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>需要出_blank class=infotextkey>get=_blank class=infotextkey>评估_blank class=infotextkey>get=_blank class=infotextkey>报告，则只_blank class=infotextkey>收取_blank class=infotextkey>300元的初评费;
_blank class=infotextkey>3._blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>代理费：_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司直接_blank class=infotextkey>收到的_blank class=infotextkey>get=_blank class=infotextkey>服务_blank class=infotextkey>get=_blank class=infotextkey>费用，_blank class=infotextkey>get=_blank class=infotextkey>标准是_blank class=infotextkey>get=_blank class=infotextkey>贷款额×(1%～
1.5%);_blank class=infotextkey>不同_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司执_blank class=infotextkey>get=_blank class=infotextkey>行的_blank class=infotextkey>get=_blank class=infotextkey>标准_blank class=infotextkey>get=_blank class=infotextkey>有差_blank class=infotextkey>get=_blank class=infotextkey>异，较为普遍的是_blank class=infotextkey>get=_blank class=infotextkey>贷款额的1%或1._blank class=infotextkey>get=_blank class=infotextkey>2%;
4._blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险费：_blank class=infotextkey>get=_blank class=infotextkey>贷款额×1._blank class=infotextkey>get=_blank class=infotextkey>2×0.1%×_blank class=infotextkey>get=_blank class=infotextkey>贷款年_blank class=infotextkey>get=_blank class=infotextkey>限，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>收取，.fan_blank class=infotextkey>g558.com/esf/ tar_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>二手_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>贷款的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>高年_blank class=infotextkey>get=_blank class=infotextkey>限是_blank class=infotextkey>get=_blank class=infotextkey>20年;
5._blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>get=_blank class=infotextkey>公证费：_blank class=infotextkey>get=_blank class=infotextkey>每宗_blank class=infotextkey>300元;
6.转_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>get=_blank class=infotextkey>协议_blank class=infotextkey>get=_blank class=infotextkey>公证费：_blank class=infotextkey>get=_blank class=infotextkey>每宗_blank class=infotextkey>300元;
7._blank class=infotextkey>get=_blank class=infotextkey>交易委托_blank class=infotextkey>get=_blank class=infotextkey>公证费：_blank class=infotextkey>get=_blank class=infotextkey>每宗_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>200元;
8._blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>代办费：_blank class=infotextkey>get=_blank class=infotextkey>每宗500元，由相应_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>收取;
9.他项_blank class=infotextkey>get=_blank class=infotextkey>权利_blank class=infotextkey>get=_blank class=infotextkey>登记费：_blank class=infotextkey>get=_blank class=infotextkey>每证_blank class=infotextkey>get=_blank class=infotextkey>250元(番禺_blank class=infotextkey>get=_blank class=infotextkey>每证500元)，由_blank class=infotextkey>get=_blank class=infotextkey>房管局_blank class=infotextkey>收取;
_blank class=infotextkey>get=_blank class=infotextkey>10._blank class=infotextkey>get=_blank class=infotextkey>贷款印花税：_blank class=infotextkey>get=_blank class=infotextkey>贷款额×0.005%，由_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>收取。
其_blank class=infotextkey>get=_blank class=infotextkey>中，_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>代办费_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>部分_blank class=infotextkey>get=_blank class=infotextkey>银行都_blank class=infotextkey>不_blank class=infotextkey>收取。另外，_blank class=infotextkey>办理转_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>时，个别_blank class=infotextkey>get=_blank class=infotextkey>银行还将_blank class=infotextkey>收取转_blank class=infotextkey>get=_blank class=infotextkey>按揭费，_blank class=infotextkey>get=_blank class=infotextkey>每宗500元至_blank class=infotextkey>get=_blank class=infotextkey>1000元_blank class=infotextkey>不等。
