小产权房怎么贷款 需要准备哪些资料

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开立专门还款账户；

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_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>get=_blank class=infotextkey>产权_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款的_blank class=infotextkey>get=_blank class=infotextkey>资料：

借款_blank class=infotextkey>get=_blank class=infotextkey>人和配偶的_blank class=infotextkey>get=_blank class=infotextkey>身份证_blank class=infotextkey>原件及复印件；

借款_blank class=infotextkey>get=_blank class=infotextkey>人_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>户口本_blank class=infotextkey>原件及复印件；

婚姻状况_blank class=infotextkey>get=_blank class=infotextkey>证明；

_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>协议书正本；

_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价_blank class=infotextkey>30%或以_blank class=infotextkey>get=_blank class=infotextkey>上预付款_blank class=infotextkey>收据_blank class=infotextkey>原件及复印件；

_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>get=_blank class=infotextkey>证明；

_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>流水；

学历_blank class=infotextkey>get=_blank class=infotextkey>证明；

_blank class=infotextkey>get=_blank class=infotextkey>银行存_blank class=infotextkey>单；

_blank class=infotextkey>get=_blank class=infotextkey>其他财力_blank class=infotextkey>get=_blank class=infotextkey>证明；

_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>开发_blank class=infotextkey>get=_blank class=infotextkey>商的_blank class=infotextkey>收款帐号；

_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定的_blank class=infotextkey>get=_blank class=infotextkey>其他_blank class=infotextkey>材料。

答：_blank class=infotextkey>办理_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>get=_blank class=infotextkey>流程

1、提出_blank class=infotextkey>get=_blank class=infotextkey>申请。_blank class=infotextkey>get=_blank class=infotextkey>客户向_blank class=infotextkey>get=_blank class=infotextkey>银行提出书_blank class=infotextkey>面借款_blank class=infotextkey>get=_blank class=infotextkey>申请，并提交_blank class=infotextkey>get=_blank class=infotextkey>有关_blank class=infotextkey>get=_blank class=infotextkey>资料。

_blank class=infotextkey>get=_blank class=infotextkey>2、签订_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同。借款_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人在接到_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>有关_blank class=infotextkey>get=_blank class=infotextkey>贷款批准的_blank class=infotextkey>通知后，要到_blank class=infotextkey>get=_blank class=infotextkey>贷款行签订借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同及担_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同，并视_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>公证、抵押_blank class=infotextkey>get=_blank class=infotextkey>登记、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险等相关_blank class=infotextkey>get=_blank class=infotextkey>手续。

_blank class=infotextkey>3、开立账户。_blank class=infotextkey>get=_blank class=infotextkey>选用委托扣除款_blank class=infotextkey>get=_blank class=infotextkey>方式还款的_blank class=infotextkey>get=_blank class=infotextkey>客户需与_blank class=infotextkey>get=_blank class=infotextkey>银行签订委托扣款_blank class=infotextkey>get=_blank class=infotextkey>协议，并在_blank class=infotextkey>get=_blank class=infotextkey>贷款行指_blank class=infotextkey>_blank class=infotextkey>定的营业网点开立还款_blank class=infotextkey>专用的储蓄存折账户或储蓄卡、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用卡账户。_blank class=infotextkey>get=_blank class=infotextkey>同_blank class=infotextkey>时，售_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人要在_blank class=infotextkey>get=_blank class=infotextkey>贷款行开立售_blank class=infotextkey>get=_blank class=infotextkey>房结算账户或存款专户。

4、支用_blank class=infotextkey>get=_blank class=infotextkey>贷款。经_blank class=infotextkey>get=_blank class=infotextkey>贷款行_blank class=infotextkey>get=_blank class=infotextkey>同意发放的_blank class=infotextkey>get=_blank class=infotextkey>贷款，办妥_blank class=infotextkey>get=_blank class=infotextkey>有关_blank class=infotextkey>get=_blank class=infotextkey>手续后，_blank class=infotextkey>get=_blank class=infotextkey>贷款行_blank class=infotextkey>get=_blank class=infotextkey>按照借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同约_blank class=infotextkey>定，将_blank class=infotextkey>get=_blank class=infotextkey>贷款直接转入借款_blank class=infotextkey>get=_blank class=infotextkey>人在_blank class=infotextkey>get=_blank class=infotextkey>贷款行开立的存款账户内，或将_blank class=infotextkey>get=_blank class=infotextkey>贷款一次或分次划入售_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人在_blank class=infotextkey>get=_blank class=infotextkey>贷款行开立的存款账户内。

5、按期还款。借款_blank class=infotextkey>get=_blank class=infotextkey>人按借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同约_blank class=infotextkey>_blank class=infotextkey>定的还款_blank class=infotextkey>计划、还款_blank class=infotextkey>get=_blank class=infotextkey>方式偿还_blank class=infotextkey>get=_blank class=infotextkey>贷款本息。可供_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择的还款_blank class=infotextkey>get=_blank class=infotextkey>方式_blank class=infotextkey>get=_blank class=infotextkey>有委托扣款和柜_blank class=infotextkey>面还款两种_blank class=infotextkey>get=_blank class=infotextkey>方式。

6、_blank class=infotextkey>get=_blank class=infotextkey>贷款结_blank class=infotextkey>get=_blank class=infotextkey>清包括提前结_blank class=infotextkey>get=_blank class=infotextkey>清和正_blank class=infotextkey>get=_blank class=infotextkey>常结_blank class=infotextkey>get=_blank class=infotextkey>清两种。提前结_blank class=infotextkey>get=_blank class=infotextkey>清是指_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>到期日（_blank class=infotextkey>get=_blank class=infotextkey>一次性还本_blank class=infotextkey>get=_blank class=infotextkey>付息类_blank class=infotextkey>get=_blank class=infotextkey>贷款）或_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>最后一期（_blank class=infotextkey>分期偿还类_blank class=infotextkey>get=_blank class=infotextkey>贷款）前结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>贷款；正_blank class=infotextkey>get=_blank class=infotextkey>常结_blank class=infotextkey>get=_blank class=infotextkey>清指在_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>到期日（_blank class=infotextkey>get=_blank class=infotextkey>一次性还本_blank class=infotextkey>get=_blank class=infotextkey>付息类）或_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>最后一期（_blank class=infotextkey>分期偿还类_blank class=infotextkey>get=_blank class=infotextkey>贷款）结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>贷款。如提前结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>贷款，借款_blank class=infotextkey>get=_blank class=infotextkey>人须在_blank class=infotextkey>get=_blank class=infotextkey>清偿应付各项款项后，提前_blank class=infotextkey>get=_blank class=infotextkey>10个_blank class=infotextkey>get=_blank class=infotextkey>工作日向_blank class=infotextkey>get=_blank class=infotextkey>贷款行提出提前结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>申请。_blank class=infotextkey>get=_blank class=infotextkey>贷款结_blank class=infotextkey>get=_blank class=infotextkey>清后，借款_blank class=infotextkey>get=_blank class=infotextkey>人从_blank class=infotextkey>get=_blank class=infotextkey>贷款行_blank class=infotextkey>get=_blank class=infotextkey>领取_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>贷款结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>证明_blank class=infotextkey>get=_blank class=infotextkey>”，取_blank class=infotextkey>get=_blank class=infotextkey>回_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>产权属抵押_blank class=infotextkey>get=_blank class=infotextkey>登记_blank class=infotextkey>get=_blank class=infotextkey>证明文件及_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>单正本，并持_blank class=infotextkey>get=_blank class=infotextkey>贷款行出具的_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>贷款结_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>证明到_blank class=infotextkey>原抵押_blank class=infotextkey>get=_blank class=infotextkey>登记_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>部门_blank class=infotextkey>办理抵押_blank class=infotextkey>get=_blank class=infotextkey>登记_blank class=infotextkey>注销_blank class=infotextkey>get=_blank class=infotextkey>手续。