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相关_blank class=infotextkey>get=_blank class=infotextkey>问答：
问：个_blank class=infotextkey>get=_blank class=infotextkey>人买_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_blank class=infotextkey>应该_blank class=infotextkey>get=_blank class=infotextkey>怎么贷?
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。
问：_blank class=infotextkey>get=_blank class=infotextkey>购买_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>房需做_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>手续?
答：_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>买卖_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程与_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋_blank class=infotextkey>get=_blank class=infotextkey>交易_blank class=infotextkey>get=_blank class=infotextkey>手续相同。但是_blank class=infotextkey>get=_blank class=infotextkey>需要_blank class=infotextkey>get=_blank class=infotextkey>提醒您_blank class=infotextkey>get=_blank class=infotextkey>注意的是，_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>买卖_blank class=infotextkey>不受_blank class=infotextkey>get=_blank class=infotextkey>法律_blank class=infotextkey>get=_blank class=infotextkey>保护，_blank class=infotextkey>get=_blank class=infotextkey>购买_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>存在一_blank class=infotextkey>_blank class=infotextkey>定的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>风险，因此_blank class=infotextkey>get=_blank class=infotextkey>市民要_blank class=infotextkey>get=_blank class=infotextkey>谨慎_blank class=infotextkey>get=_blank class=infotextkey>购买。
_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>买卖_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程一：看_blank class=infotextkey>get=_blank class=infotextkey>房
买方看_blank class=infotextkey>get=_blank class=infotextkey>房、_blank class=infotextkey>get=_blank class=infotextkey>买卖_blank class=infotextkey>get=_blank class=infotextkey>双方初步洽谈_blank class=infotextkey>get=_blank class=infotextkey>价格、付款_blank class=infotextkey>get=_blank class=infotextkey>方式、交_blank class=infotextkey>get=_blank class=infotextkey>房日期等_blank class=infotextkey>get=_blank class=infotextkey>事项，_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>get=_blank class=infotextkey>买卖_blank class=infotextkey>get=_blank class=infotextkey>双方产_blank class=infotextkey>get=_blank class=infotextkey>生的所_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>费用都归买方支付。
_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>买卖_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程二：查档
_blank class=infotextkey>get=_blank class=infotextkey>买卖_blank class=infotextkey>get=_blank class=infotextkey>双方持_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产证_blank class=infotextkey>原件或_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>原价到_blank class=infotextkey>get=_blank class=infotextkey>档案_blank class=infotextkey>get=_blank class=infotextkey>大厦_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>国土_blank class=infotextkey>部门查_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>档案。
_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>买卖_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程三：签_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同
_blank class=infotextkey>get=_blank class=infotextkey>买卖_blank class=infotextkey>get=_blank class=infotextkey>双方协_blank class=infotextkey>get=_blank class=infotextkey>商_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋_blank class=infotextkey>get=_blank class=infotextkey>价格、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>金、_blank class=infotextkey>get=_blank class=infotextkey>首期款、_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>监管、_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间、赎_blank class=infotextkey>get=_blank class=infotextkey>楼_blank class=infotextkey>get=_blank class=infotextkey>费用、_blank class=infotextkey>get=_blank class=infotextkey>过户_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间、_blank class=infotextkey>get=_blank class=infotextkey>税费支付_blank class=infotextkey>get=_blank class=infotextkey>方式、交_blank class=infotextkey>get=_blank class=infotextkey>房日期、租客_blank class=infotextkey>get=_blank class=infotextkey>情况、佣_blank class=infotextkey>get=_blank class=infotextkey>金的支付_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间及_blank class=infotextkey>比例、_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>责任，确_blank class=infotextkey>定这几_blank class=infotextkey>get=_blank class=infotextkey>大要点后，_blank class=infotextkey>get=_blank class=infotextkey>买卖_blank class=infotextkey>get=_blank class=infotextkey>双方与_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中介签订三方_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同或者_blank class=infotextkey>get=_blank class=infotextkey>买卖_blank class=infotextkey>get=_blank class=infotextkey>双方签订_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同，把_blank class=infotextkey>get=_blank class=infotextkey>上述_blank class=infotextkey>get=_blank class=infotextkey>内容写入_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同，支付_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>金给_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中介_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司。
_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>买卖_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程四：_blank class=infotextkey>get=_blank class=infotextkey>公证
卖方同担_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司到_blank class=infotextkey>get=_blank class=infotextkey>公证处_blank class=infotextkey>get=_blank class=infotextkey>进行_blank class=infotextkey>get=_blank class=infotextkey>公证，卖方委托担_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>办理相关事务。
_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>买卖_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程五：_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>监管及_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>申请
买方支付_blank class=infotextkey>get=_blank class=infotextkey>首期款到_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>监管账号(_blank class=infotextkey>get=_blank class=infotextkey>一般是_blank class=infotextkey>原_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行，_blank class=infotextkey>如果换_blank class=infotextkey>get=_blank class=infotextkey>其他_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>多出_blank class=infotextkey>get=_blank class=infotextkey>一些_blank class=infotextkey>get=_blank class=infotextkey>费用)，买方及担_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司与_blank class=infotextkey>get=_blank class=infotextkey>银行签订_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>监管_blank class=infotextkey>get=_blank class=infotextkey>协议及相关文件(一_blank class=infotextkey>get=_blank class=infotextkey>大堆，都_blank class=infotextkey>get=_blank class=infotextkey>没看_blank class=infotextkey>get=_blank class=infotextkey>清楚，只是忙着_blank class=infotextkey>get=_blank class=infotextkey>签名)，买方向_blank class=infotextkey>get=_blank class=infotextkey>银行提出_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>申请，_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>同意_blank class=infotextkey>get=_blank class=infotextkey>贷款后出具_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>承诺书给买方(_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>get=_blank class=infotextkey>银行直接_blank class=infotextkey>通知担_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司)，约7~8个_blank class=infotextkey>get=_blank class=infotextkey>工作日左右。
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