办理银行按揭流程

办理银行按揭 签商品房#买卖# ? 收集客户资料 ? 房产局备案(做预告登记) ? 递交银行资料 ? 评 估 ? 查 档 ? 抵押登记 ? 放 款 客户签商品房买卖合同时所需提供材料 夫妻双方身份证、单身只需一个人身份证 夫妻双方户口簿、结婚证(单身的提供未婚证明，到民政局办理) on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system 夫妻双方收入证明、银行流水涨(近期3-6个月) 注，以上提供的材料，身份证、户口簿、结婚证在预告登记和抵押登记时都需要，如果可以让客户提供一式四份，有一份公司留档 各部门客户资料收集要求 按揭银行 按揭#申请# 借款人及共同还款人身份证、户口簿复印件(身份证为新版正反两面、户口簿户主关系明确、常住人口登记卡 借款人婚姻证明(已婚递交结婚证复印件、未婚填写未婚声明并由民政局出证明) 借款人及共同还款人收入证明，银行流水账复印件，企业个体户提供营业执照、税务登记证、最近3个月都纳税证明 所购房屋的首付款凭证复印件 公司:土地使用证(宗地图)、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、预售商品房许可证、营业执照、税务登记证、组织机构代码证、资质证、法人代表身份证、委托书、被委托人身份证等复印件 预告登记 预告登记申请书 登记人身份证、户口簿复印件 共同预告人身份证、户口簿复印件 预告人双方的婚姻证明 on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system 所购房屋的《商品房买卖合同》 所购房屋的首付款收据复印件 委托书、委托人身份证 公司:法人身份证、预售商品房许可证、组织机构代码证、营业执照、委托书、被委托人身份证等复印件 抵押登记 抵押登记申请书 登记人身份证、户口簿复印件 共同抵押人身份证、户口簿复印件 共同抵押人双方的婚姻证明 所购房屋的《商品房买卖合同》，已做预告登记 预告登记证 所购房屋的估价报告书 查档证明 与银行签订的《借款合同》 他项权利登记表、客户询问笔录、预告登记分户图、共有人同意抵押证明 公司:营业执照、法人代表身份证、土地证、宗地图、规划审批单、委托书、被委托人身份证等复印件 注:需银行办理人签字，所以在签商品房买卖合同时，要求客户同时on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system 签预告登记申请书、明，并在递交资料到银行时递交他项权力申请表和共有人同意抵押证 银行按揭情况更新 建行住房:如果是第一次购买首付最低30%，利率下浮15%，银行 看信用或具体情况而定 如果是第二次购买首付最低60%，利率上浮10% 如果是第三次购买不可以办理银行按揭 商铺:如果是第一次购买首付最低50%，利率上浮15%，贷款最 长年限为10年 如果是第二次购买首付最低51%，利率上浮16%，贷款最 长年限为10年 如果是外地户口，必须提供在当地的纳税证明或是养老保 险，如果是在本地工作但是公司是外地的，只要是广西地 区也可提供本公司的纳税证明，如果是广西区外的，只能 提供当地的纳税证明 天地楼:超过144?首付50%，利率上浮10%，如果是第二套的可 能要适当提高，具体情况以银行的为准 中行住房:如果是第一次购买首付最低30%，按基准利率 如果是第二次购买首付最低60%，利率上浮10% 如果是第三次购买不可以办理银行按揭 on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system 商铺:如果是第一次购买首付最低50%，利率上浮11%，贷款最 长年限为10年 如果是第二次购买首付最低55%，利率上浮11%，贷款最 长年限为10年 如果能证明纳税证明会比较好 天地楼:超过144?首付40%，利率上浮10%，如果是第二套的可 能要适当提高，具体情况以银行的为准 工行住房:如果是第一次购买首付最低30%，按基准利率 如果是第二次购买首付最低50%，利率上浮10% 如果是第三次购买不可以办理银行按揭 商铺:如果是第一次购买首付最低50%，利率上浮11%，贷款最 长年限为10年 如果是第二次购买首付最低50%，利率上浮11%，贷款最 长年限为10年 不分是外地户口还是本地户口都是一样的办理 天地楼:超过144?首付30%，按基准利率，如果是第二套的提高 60%，利率上浮10% on winter construction technique and safety training of personnel, the use of admixtures for construction workers, concrete temperature record, sample lien and conservation regulations, strengthen the management of heating equipment. 3) tracking weather forecasts, arrange production according to weather conditions, adjusting job schedules. 8.6. ... 8.7.5 construction electrical products used, must conform to the national standards, lines must comply with the installation and use of electrical equipment JGJ46-2005 electric code requirements. 8.7.6 with obvious hot rail for woodworking operation shed, installation of fire fighting equipment, and stick with the dry with clear, who did who clear, dry day. 8.7.7 warehouse be set independently, Warehouse Clerks Office and warehouse space. Prohibition of common items within the same library mixed with inflammable or explosive goods. 8.7.8 outside the library with adequate fire-fighting equipment, fire-fighting water freezing measures should be taken. 8.7.9 strictly implementing the provisions of the fire safety management of the Group and carry out regular fire safety education, improve staff awareness of fire safety. 8.8 ambulance control measures to prevent the expansion of construction project security accident after accident, reducing casualties and property losses, according to the work safety of construction projects Management Ordinance and company occupational health and safety management system