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)

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  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
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    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
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    – **Cutting-edge research**, with Harvard leading initiatives in artificial intelligence, public
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    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,
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    Among them are:

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    The university continues to cultivate future leaders who
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    ## Harvard’s Stunning Campus and Iconic Library

    Harvard’s campus is a blend of **historical charm
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    – The **Widener Library**, one of the largest university libraries
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    – State-of-the-art research centers, museums, and performing
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    ## 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,
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    – **Annual Primal Scream:** A unique tradition where students de-stress by running through
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    – **The Harvard-Yale Game:** A historic football rivalry that
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    With over **450 student organizations**, Harvard
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    Beyond academics, Harvard drives change in **global policy, economics,
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    **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.
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    https://www.harvard.edu/

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