越融信息-🏬绍兴房产抵押贷款-📞13989833528

绍兴房产抵押贷款

房产抵押贷款

作者越城¥急用钱

5 月 7, 2021 #房产抵押贷款-是什么

房产抵押贷款-是指借款人以所购住房和其他具有所有权的财产作为抵押或质押，或由第三人为其贷款提供保证并承担连带责任的贷款。它是由住房买卖合同、住房按揭协议、住房按揭贷款住房抵押贷款合同连接起来的三角关系。

一、房屋要求

(一)房屋的产权要明晰，符合国家规定的上市交易的条件，可进入房地产市场流通，未做任何其他抵押;

(二)房龄(从房屋竣工日起计算)与贷款年限相加不能超过40年;

(三)所抵押房屋未列入当地城市改造拆迁规划，并有房产部门、土地管理部门核发的房产证和土地证;

二、贷款人要求

在中国境内有固定住所、有当地城镇常住户口(或有效证明)、具有完全民事行为能力，并且符合下列条件的中国公民均可申请个人综合消费贷款。

1、有正当职业和稳定的收入来源，具有按期偿还贷款本息的能力;

2、没有违法行为和不良信用记录;

3、能够提供银行认可的有效权利质押担保或能以合法有效的房产作抵押担保或具有代偿能力的第三方保证;

4、开立中国工商银行个人结算账户，并且同意银行从其指定的个人结算账户扣收贷款本息;

5、银行规定的其他条件。

房产抵押贷款

流程

1、买卖双方签订房屋买卖合同，约定首付款、贷款和尾款的金额;

2、购房人及配偶当面向银行申请贷款，售房人及配偶到场确认;

3、银行对贷款申请进行调查、审批;

4、购房人与银行签订借款及担保合同;

5、售房人将房屋产权过户给购房人，售房人向购房人取得首付款;

6、购房人与银行办理房产抵押登记(或由其他自然人、法人为购房人提供阶段性担保);

7、银行向售房人账户发放贷款;

8、买卖双方办理房屋物业结清，售房人向购房人取得尾款;

9、购房人收房，按月还款(阶段性担保情况下，购房人与银行补办房产抵押登记)

Post Views: 242
打赏微海报分享

相关文章

绍兴房产抵押贷款

💰 【2025绍兴创业贷新政】最高1000万！政府贴息+3天放款

6 月 10, 2025 越城¥急用钱
绍兴房产抵押贷款

🔥【诸暨房抵贷速通指南】最高贷8成！无视征信瑕疵+当天放款

6 月 9, 2025 越城¥急用钱
绍兴房产抵押贷款

绍兴房产抵押贷款，资金难题？房产变现助您一臂之力！

6 月 9, 2025 越城¥急用钱
《房产抵押贷款》有110条评论

  1. # Harvard University: A Legacy of Excellence and Innovation

    ## A Brief History of Harvard University

    Founded in 1636, **Harvard University** is the oldest and one
    of the most prestigious higher education institutions in the United States.
    Located in Cambridge, Massachusetts, Harvard has built a
    global reputation for academic excellence, groundbreaking research, and
    influential alumni. From its humble beginnings as a small
    college established to educate clergy, it has evolved into a world-leading university that
    shapes the future across various disciplines.

    ## Harvard’s Impact on Education and Research

    Harvard is synonymous with **innovation and intellectual leadership**.
    The university boasts:

    – **12 degree-granting schools**, including the renowned **Harvard Business School**, **Harvard Law School**,
    and **Harvard Medical School**.
    – **A faculty of world-class scholars**, many of whom are
    Nobel laureates, Pulitzer Prize winners, and pioneers in their fields.

    – **Cutting-edge research**, with Harvard leading initiatives in artificial intelligence, public
    health, climate change, and more.

    Harvard’s contribution to research is immense, with billions of dollars allocated to scientific discoveries and technological advancements each year.

    ## Notable Alumni: The Leaders of Today and Tomorrow

    Harvard has produced some of the **most influential figures** in history,
    spanning politics, business, entertainment, and science.
    Among them are:

    – **Barack Obama & John F. Kennedy** – Former U.S.
    Presidents
    – **Mark Zuckerberg & Bill Gates** – Tech visionaries (though Gates did not graduate)
    – **Natalie Portman & Matt Damon** – Hollywood icons
    – **Malala Yousafzai** – Nobel Prize-winning activist

    The university continues to cultivate future leaders who
    shape industries and drive global progress.

    ## Harvard’s Stunning Campus and Iconic Library

    Harvard’s campus is a blend of **historical charm
    and modern innovation**. With over **200 buildings**, it features:

    – The **Harvard Yard**, home to the iconic **John Harvard Statue** (and the famous
    “three lies” legend).
    – The **Widener Library**, one of the largest university libraries
    in the world, housing **over 20 million volumes**.
    – State-of-the-art research centers, museums, and performing
    arts venues.

    ## Harvard Traditions and Student Life

    Harvard offers a **rich student experience**, blending academics with vibrant traditions,
    including:

    – **Housing system:** Students live in one of 12 residential houses,
    fostering a strong sense of community.
    – **Annual Primal Scream:** A unique tradition where students de-stress by running through
    Harvard Yard before finals!
    – **The Harvard-Yale Game:** A historic football rivalry that
    unites alumni and students.

    With over **450 student organizations**, Harvard
    students engage in a diverse range of extracurricular activities, from entrepreneurship to
    performing arts.

    ## Harvard’s Global Influence

    Beyond academics, Harvard drives change in **global policy, economics,
    and technology**. The university’s research impacts healthcare, sustainability,
    and artificial intelligence, with partnerships across industries worldwide.
    **Harvard’s endowment**, the largest of any university, allows it to fund scholarships, research, and public initiatives, ensuring a legacy of impact for
    generations.

    ## Conclusion

    Harvard University is more than just a school—it’s a **symbol of excellence,
    innovation, and leadership**. Its **centuries-old traditions, groundbreaking discoveries, and transformative education** make it one of the most influential institutions in the world.
    Whether through its distinguished alumni, pioneering research, or
    vibrant student life, Harvard continues to shape the future in profound ways.

    Would you like to join the ranks of Harvard’s legendary scholars?
    The journey starts with a dream—and an application! ����

    https://www.harvard.edu/

  34. Бухгалтерское сопровождение для ООО от Audex — просто
    супер. Все четко и в срок.
    Спасибо!

    бухгалтерское сопровождение ООО цена Минск; https://audex.by/,

  49. Whats up very cool blog!! Guy .. Beautiful .. Wonderful .. I’ll bookmark your site and take the feeds additionally I am happy to find so many helpful info right here within the publish, we’d like develop more strategies on this regard, thank you for sharing. . . . . .

  94. Homeowners across Proctor District rave that our color‑matched downspouts actually enhance curb appeal instead of looking like cheap after‑thoughts. Home inspectors agree that a clean, seamless gutter line is a small upgrade that prevents thousand‑dollar foundation repairs down the road. Roll‑forming gutters right in your driveway means each section is one continuous piece—no leaky joints, no wasted metal, no compromises on quality.

发表回复

您的邮箱地址不会被公开。 必填项已用 * 标注

绍兴房屋抵押贷款

绍兴垫资

💰 【3分钟到账】绍兴专业垫资贷款-云经理13989833524

2025年7月25日 越城¥急用钱
车辆质押借款

🔥绍兴车辆质押借款当天放款！押证不押车·13989833528云经理

2025年7月24日 越城¥急用钱
绍兴贷款公司

【绍兴房产抵押贷款首选】🎯越融信息·十年口碑助您快速融资💰

2025年7月15日 越城¥急用钱
绍兴银行贷款

绍兴5家银行提前还贷政策盘点！✨哪家强？违约金、利率全解析！

2025年7月15日 越城¥急用钱
24小时热线