二手房卖家贷款没有还清,中介做垫资,交易流程?

2024-12-16 18:01:01
推荐回答(5个)
回答1:

二手房贷款流程是:

  1. 实地看房.信贷员、居间机构、评估员、买卖双方。地点:申请按揭贷款的房屋现场。对房屋现场勘察:所售房屋产权是否明晰;是否设定其他抵押权利;是否对外出租;如果是公有房改住房、安居工程、经济适用房等非商品房是否符合上市交易条件;是否被列入拆迁公告或城市改造规划范围;申请的贷款成数和期限是否符合规定;卖方提供的资料是否真实、完整、合法、有效;记录客户的联系电话;收取房产证复印件。

  2. 产权验证.产权人及共有权人(卖方)、居间机构。地点:房管局。产权人及共有权人(卖方)带着身份证原件及房产证原件,到房管局交验身份证原件及房本原件,进行验证。然后,领取一份房屋产权转移审验查档证明,并保留发票;再出示"查档收费发票"验证查档,并等待查询结果;领取加盖"房产档案管馆"公章的房产证和一份该处房屋最初的"商品房买卖合同"。

  3. 签署合同.信贷员、居间机构、买卖双方。地点:贷款银行。认真核对校验客户的资料原件,鉴别所有签字人员的真实性,监督客户签字,收取房产证原件及订金(具体数额由买卖双方确定),复印资料,提醒双方在该行办理帐户。

  4. 填写合同.整理资料根据客户提供的相关资料,填写合同。


回答2:

1、 房主还有30万的贷款没有还完,首先房主先拿你们的20万元和中介垫资的10万元申请提前还贷。步骤是房主要提前15天预约提前还贷。房主还完30万的贷款后,再等15天到银行拿解押文件。拿到解押文件后才能办理一切房屋买卖过户手续。
2、 你甭管人家钱怎么用,写好自己的合同。20万元要写明是定金,定金违约双倍返还。从银行转账银行有痕迹。
3、 房主拿到解押文件后,中介到建委办理房屋解押手续。签订正式的网签合同后,(不知燕郊用不用网签反正北京现在必须网签)双方交完各付的税金后。才能办理过户手续。第三点一天时间足以。
你们主要时间要耽误在双方的贷款上,但我认为不会被骗,因为不管中介和卖方都不愿意承担双倍返还定金的责任。

回答3:

不能给 因为你你那20万肯定是垫房主尾款了 然后你在买房付首付 你还有钱嘛 如果有你在20万 然后你在贷款33万 这样你你付了多少20+20+10+33 你的首付你打到银行卡里面的 如果你想垫资 全部叫中介去做30万 你就把首付弄到银行卡里就行了 省的卖房捣鬼 你把中介和你绑在一起这样最安全 最后说一点就是你给他垫资之后你的钱怎么拿出来 你买房的钱都打到他的银行卡里了 人家一走了之你怎么办 强调一点首付款不是给房主的 是存到卖房银行号里 银行要监管的 如果你给了卖房 一点都不安全

回答4:

这套房可能是中介从中炒作的,应该说中介不敢轻易骗人的,否则那可是刑事诈骗.建议你们一定要见到房主本人,核对房产证\土地证及房主身份,协议签订后再打款,所谓中介垫资实际上转一下手而已,等过户完成后你们还缺33万,通过贷款取得33万后,房主再得23万,中介拿回垫资10万.然后你们就慢慢还钱吧.
记住,过户后的房产证一定要及时拿到手,如果有任何延迟或可疑的地方,不能拖,及时报警.事前到主管部门查一下该中介的资质和信誉.

回答5:

没听过中介垫资一说~

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