个人商品房购买交易流程有哪些？-乐居买房指南

<!DOCTYPE html> <html lang="zh"> <head> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0, maximum-scale=1.0, user-scalable=0, minimal-ui"> <meta name="format-detection" content="telephone=yes" /> <meta name="applicable-device" content="mobile"> <title>个人商品房购买交易流程有哪些？-乐居买房指南</title> <meta name="Keywords" content="个人商品房购买交易流程有哪些？" /> <meta name="Description" content="现代社会买房不是小事情，为了买房还萌生出了很多的新词汇，如买房需要六个钱包，还有接力贷款购房，父贷子偿，贷贷相传等等。可见房价有多高，买房有" /> <script type="text/javascript" src="//res.leju.com/resources/app/touch/leju/v6/js/index.js"></script> <script src="//cdn.leju.com/sso/sso.js "></script> <link rel="stylesheet" href="//res.leju.com/resources/app/touch/leju/v6/styles/styles.css"> <link rel="stylesheet" href="//res.leju.com/assets/app/leju-baike/v1/baike.css"> <link rel="stylesheet" href="//res.leju.com/resources/comment-fe/default/v1/css/comment-dsp.css"> <script> var _hmt = _hmt || []; (function () { var hm = document.createElement("script"); hm.src = "https://hm.baidu.com/hm.js?617a4a3965d42442e20797832b2ffe65"; var s = document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(hm, s); })(); </script> </head> <body class="zwt_bodycolor"> <div class="scrollBox"> <div id="suf_header" class="none" data-adtags="B10" title="固定ad750*247)"></div> <div class="navBox"> <div class="navLeft"> <div class="navBack"></div> </div> <div class="navCenter"> 买房指南 </div> <a class="navRight share sharebtn" data-lejushare='{"title":"\u4e2a\u4eba\u5546\u54c1\u623f\u8d2d\u4e70\u4ea4\u6613\u6d41\u7a0b\u6709\u54ea\u4e9b\uff1f","desc":"\u73b0\u4ee3\u793e\u4f1a\u4e70\u623f\u4e0d\u662f\u5c0f\u4e8b\u60c5\uff0c\u4e3a\u4e86\u4e70\u623f\u8fd8\u840c\u751f\u51fa\u4e86\u5f88\u591a\u7684\u65b0\u8bcd\u6c47\uff0c\u5982\u4e70\u623f\u9700\u8981\u516d\u4e2a\u94b1\u5305\uff0c\u8fd8\u6709\u63a5\u529b\u8d37\u6b3e\u8d2d\u623f\uff0c\u7236\u8d37\u5b50\u507f\uff0c\u8d37\u8d37\u76f8\u4f20\u7b49\u7b49\u3002\u53ef\u89c1\u623f\u4ef7\u6709\u591a\u9ad8\uff0c\u4e70\u623f\u6709\u591a\u4e0d\u5bb9\u6613\uff0c\u8fd8\u6b3e\u538b\u529b\u6709\u591a\u5927\u3002\u4e70\u623f\u8fc7\u7a0b\u4e2d\u7684\u6bcf\u4e00\u6b65\u90fd\u5b58\u5728\u9677\u9631\uff0c\u4e70\u623f\u4ea4\u6613\u6d41\u7a0b\u5c31\u662f\u5176\u4e2d\u4e00\u9879\u3002","link":"https:\/\/m.leju.com\/baike\/www-6971317068197312317.html?xcx=0","img":"http:\/\/res.leju.com\/resources\/app\/touch\/news\/v1\/images\/share_logo.png","url":"https:\/\/m.leju.com\/baike\/www-6971317068197312317.html?xcx=0"}'> </a> </div>                            <div class="ztt_outer ztt_outer_h ">  <div class="ztt_blk ztt_zw "> <h2>个人商品房购买交易流程有哪些？</h2> <div class="info "> <span class="l "><a href="# ">乐居买房</a>2022-09-02 12:05:09</span> </div> <div class="con "> <p style="text-align: left;">现代社会买房不是小事情，为了买房还萌生出了很多的新词汇，如买房需要六个钱包，还有接力贷款购房，父贷子偿，贷贷相传等等。可见房价有多高，买房有多不容易，还款压力有多大。买房过程中的每一步都存在陷阱，买房交易流程就是其中一项。</p><p style="text-align: left;">1，选择房产</p><p style="text-align: left;">购房者如果想获得房屋的按揭服务，在选择房产时,应着重了解这方面的内容。</p><p style="text-align: left;">2，办理按揭贷款申请</p><p style="text-align: left;">在确认自己选择的房产得到银行按揭支持后,购房者应向银行或银行指定的律师事务所了解银行关于购房者获得按揭贷款支持的规定,准备有关法律文件，填报《按揭贷款申请书》。</p><p style="text-align: left;">3，银行审查</p><p style="text-align: left;">银行受理购房者贷款申请话，要从民事主体资格、资信状况、还款能力等方面对购房者进行资格审查,以确认是否符合规定条件。如果在未取得银行按揭贷款支持确认的情况下，购房者盲目地与发展商签订购房合同，在不符合银行条件时,就无法获得按揭贷款，会造成资金外的被动,被迫选择其他付款方式，从而影响自己的资安排，甚至放弃购房，造成定金的损失。</p><p style="text-align: left;">4，签订购房合同</p><p style="text-align: left;">银行收到购房者递交的按揭申请和有关法律文件，经审查确认购房者符合按揭贷款的条件后，发给购房者同意贷款通知或按揭贷款承诺书。</p><p style="text-align: left;">5，签订楼宇按揭合同</p><p style="text-align: left;">购房者在签订购房合同，并取得交纳房款的凭证后，持银行规定的有关法律文件与发展商和银行签订《楼宇按揭抵押贷款合同》，明确按揭贷款数额、年期、利率、还款方式及其他权利义务。</p><p style="text-align: left;">6，办理抵押登记、保险</p><p style="text-align: left;">购房者、发展商和银行持《楼宇按揭抵押贷款合同》及购房合同到房地产管理部i ]办理抵押登记备案手续。对期房，在竣工后应办理变更抵押登记。</p><p style="text-align: left;">7，开专门用于还款账户</p><p style="text-align: left;">置业者在签订《楼宇按揭抵押贷款合同》后，按合同约定,应在银行指定的金融机构开立专门还款账户，并签订授权书，授权该机构从该账户中支付银行与按揭贷款合同有关的贷款本息和欠款。</p><p style="text-align:center"><img class="viewImg " src="//ess.leju.com/house/photo/55-1-sogEkns2095xxa7tXmd5kWRSsrlmWt13GWdI6Qav1Ivx6jC8BV2aHRtsXgAdmhsanSLPZUArRvujRFkO_s720X0.jpg" data-src="//ess.leju.com/house/photo/55-1-sogEkns2095xxa7tXmd5kWRSsrlmWt13GWdI6Qav1Ivx6jC8BV2aHRtsXgAdmhsanSLPZUArRvujRFkO.jpg"></p> </div> </div> </div>  <div class="tols"> <a href="https://m.leju.com/baike/www-6971061223618295244.html"> <div class="item"> <span>上一篇：</span> <p>使用住房公积金买房需要注意哪些问题？</p> </div> </a> <a href="https://m.leju.com/baike/www-6971354005390013445.html"> <div class="item"> <span>下一篇：</span> <p>买房要考虑的配套设施都有哪些？</p> </div> </a> </div>   <div class="aubotTile"> <p>相关推荐</p> </div>  <div class="aboutListBox"> <div class="aboutItem"> <a href="https://m.leju.com/baike/www-7211676549190562984.html">北京落地！首套房首付比例20%！贷款利率降至3.5%！</a> </div> <div class="aboutItem"> <a href="https://m.leju.com/baike/www-6877493505573565554.html">钱被开发商合伙人卷走了九旬奶奶“入住”售楼部帮维权</a> </div> <div class="aboutItem"> <a href="https://m.leju.com/baike/www-7143507834318403243.html">楼层越高，房子就越好？买高层有这些注意事项要牢记</a> </div> </div>  <div class="latestBox"> <div class="latestTitle">最新知识</div> <div class="latestList"> <div class="item"> <a href="www-7148961889077474875.html"> <div class="left"><img src="https://ess.leju.com/fictitious/photo/65916ab3b64a50092f5dff1f1bda0278_S750X0.JPG" alt=""></div> <div class="right"> <div class="rightTitle">长期空置的房子还需要交物业费吗 </div> <div class="botNav"> <div class="botItems"><a href="https://m.leju.com/baike/bj/sfyf-2/">物业</a> </div> <div class="botItems">原创</div> <span>01-05</span> </div> </div> </a> </div> <div class="item"> <a href="www-7143866191587882106.html"> <div class="left"><img src="https://ess.leju.com/house/photo/42-1-IwUQUTpTnc16BWn3jBP1ASsy2oMJcYumkIrFbEVBCOOlhJQmsmHvx72rOF5RLwpVoOmS8NcHfhBeoYLh_s220X164.png" alt=""></div> <div class="right"> <div class="rightTitle">连续四个月“按兵不动”12月LPR出炉 </div> <div class="botNav"> <div class="botItems"><a href="https://m.leju.com/baike/bj/dkhk-3/">商业贷款</a> </div> <div class="botItems">原创</div> <span>12-22</span> </div> </div> </a> </div> <div class="item"> <a href="www-7143176164121818116.html"> <div class="left"><img src="https://ess.leju.com/fictitious/photo/218680912932229120-30-8ac8e61bf2e547e6be13ba75df8ffb11_S750X0_s220X164.jpg" alt=""></div> <div class="right"> <div class="rightTitle">保交楼不等于保开发商？资深律师为防范化解房地产风险提出四点建议 </div> <div class="botNav"> <div class="botItems"><a href="https://m.leju.com/baike/bj/tswq/">投诉维权</a> </div> <div class="botItems">原创</div> <span>12-20</span> </div> </div> </a> </div> <div class="item"> <a href="www-7138715791427679521.html"> <div class="left"><img src="https://ess.leju.com/fictitious/photo/377131130954063872-30-ea7b55ee416344fbabe5f2efa404502c_S750X0_s220X164.jpg" alt=""></div> <div class="right"> <div class="rightTitle">贷款买房时，组合贷款流程是什么？ </div> <div class="botNav"> <div class="botItems"><a href="https://m.leju.com/baike/bj/dkhk-4/">组合贷款</a> </div> <div class="botItems">原创</div> <span>12-08</span> </div> </div> </a> </div> <div class="item"> <a href="www-7125752388572723016.html"> <div class="left"><img src="https://ess.leju.com/fictitious/photo/245227413636780032-30-591351fe5e3d4e1aa3b9790540d308e5_S750X0_s220X164.jpg" alt=""></div> <div class="right"> <div class="rightTitle">买房必读！订金能退定金不能退？ </div> <div class="botNav"> <div class="botItems"><a href="https://m.leju.com/baike/bj/rgxf-1/">交定金</a> </div> <div class="botItems">原创</div> <span>11-02</span> </div> </div> </a> </div> </div> </div>  <div class="latestBox"> <div class="latestTitle">知识推荐</div> <div class="latestList"> <div class="item"> <a href="www-6874597428365145359.html"> <div class="left"><img src="https://ess.leju.com/house/photo/55-1-r9HANrUrSA0ua6QZrBGDOlYV2MjPUrYVjLFtUxxRP6ympBGMHaCmQKseVnge7epVBhAEJGCeA10VU395_s220X164.jpeg" alt=""></div> <div class="right"> <div class="rightTitle">什么是购房合同，购房合同订立过程中有哪些注意事项？ </div> <div class="botNav"> <div class="botItems"><a href="https://m.leju.com/baike/bj/zbmf-4/">交易流程</a> </div> <span>12-09</span> </div> </div> </a> </div> <div class="item"> <a href="www-6989044601168639161.html"> <div class="left"><img src="https://ess.leju.com/fictitious/photo/d0671d1f36665f45e1451dce2a6bd974tDmm6eSxJtCJxwE5BnhmoASsWO5r3BlUfiCjAJTPyztnmuazRscSRt1CwPS8zPxn_S750X0_s220X164.jpg" alt=""></div> <div class="right"> <div class="rightTitle">置换房产的过程中应该注意哪些事项？ </div> <div class="botNav"> <div class="botItems"><a href="https://m.leju.com/baike/bj/zbmf-4/">交易流程</a> </div> <div class="botItems">原创</div> <span>10-21</span> </div> </div> </a> </div> </div> </div>   <div class="sf_public_box ">                                                 <div class="sf_content_statementOut "> <div class="sf_content_statement "> 重要提示：本页面内容，旨在为满足广大用户的信息需求而采集提供，并非广告服务性信息。页面所载内容不代表本网站之观点或意见，仅供用户参考和借鉴，最终以开发商实际公示为准。商品房预售须取得《商品房预售许可证》，用户在购房时需慎重查验开发商的证件信息。本页面所提到房屋面积如无特别标示，均指建筑面积。 </div> </div> <div class="sf_content_crumbs "> <a href="https://m.leju.com/baike/">乐居百科</a><span class="line"></span><a href="https://m.leju.com/baike/bj/zbmf/">准备买房</a><span class="line "></span><cite><a href="https://m.leju.com/baike/bj/zbmf-4/">交易流程</a></cite> </div> </div>                                                       </div>                                                                             <div class="sf_footer "> <div class="seoLogo "> <i></i> </div> <div class="channel "> <span><a href="//m.leju.com/house/bj/s/ ">新房</a></span><span><a href="//m.leju.com/touch/esf/bj/ ">二手房</a></span><span><a href="//jiaju.sina.cn/ " rel="nofollow ">家居</a></span><span><a href="http://m.7gz.com/?city=bj " rel="nofollow ">装修</a></span> </div> <div class="nav "> <a href="//m.leju.com/m.leju.com/static_html/license.html " rel="nofollow ">证照资质</a><i></i> <a href="//m.leju.com/set_city.html?mod=index ">网站地图</a><i></i> <a href="//m.leju.com/set_city.html?mod=touch_house_index ">全国新房</a><i></i> <a href="//m.leju.com/house/bj/housesitemap/ ">楼盘地图</a><i></i><a href="//m.leju.com/tools/ ">房贷计算器</a> </div> <div class="ba ">京ICP证B2-20180524号京公安备案11010502039463号</div>  </div>    <script src="//res.leju.com/assets/app/touch/v6/jweixin-1.6.0.js"></script> <script src="//res.leju.com/assets/modules/wxshare/v2/wxshare.js?v2"></script> <script type="text/javascript"> wxShare.init({ title: "个人商品房购买交易流程有哪些？", desc: "现代社会买房不是小事情，为了买房还萌生出了很多的新词汇，如买房需要六个钱包，还有接力贷款购房，父贷子偿，贷贷相传等等。可见房价有多高，买房有多不容易，还款压力有多大。买房过程中的每一步都存在陷阱，买房交易流程就是其中一项。", link: "https://m.leju.com/baike/www-6971317068197312317.html?xcx=0", imgUrl: "http://res.leju.com/resources/app/touch/news/v1/images/share_logo.png" }); </script> <script type="text/javascript"> var isdirect = "1"; // 是否直营城市 var forbidden_words_status = '1'; //禁词 var pageConf = { baseParam: { city: "www", id: "6971317068197312317", //新闻id hid: "0", type: "news", zid: "", topcolumn: "新房知识", uid: "0", //用户id author_uid: "0", //乐居号 authorid is_app: "0", user_agent: "browser", back_url: "/circle/www.html", lz_status: "0", //留咨弹窗样式 refer: "0", app: "lejuplatform://buyhousecircle/entry", //APP链接 }, urls: { searchMemberGroup: "//huodong.leju.com/api/searchMemberGroup?sync=1", //获取群号 getNewsHouseCard: "//m.leju.com/m.leju.com/index.php?site=js&ctl=House&act=getNewsHouseCard", //获取楼盘卡片接口 followUser: "//m.leju.com/m.leju.com/index.php?site=js&ctl=users&act=followUser", //乐居号关注或取关 urlCollect: "//m.leju.com/m.leju.com/?site=js&ctl=js&act=get_collect_data&type=zx_xq&city=www&custom_id=6864481631022134676", // 收藏接口 urlCollected: "//m.leju.com/m.leju.com/?site=js&ctl=js&act=if_collect_data&type=zx_xq&city=www&custom_id=6864481631022134676", // 是否收藏 getNewsHids: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getnewshids", //根据批量楼盘获取新闻 getNewsFloat: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getNewsFloat", //取底部浮层信息 getFangshouData: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getfangshouyouxuan&news_type=news&city=www", //取房首标签数据 getCitySpecialData: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getCitySpecial&city=www&type=news", //取城市专题数据 noCheckedLz: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=lzNoChecked&id=6864481631022134676&news_type=news", //手机号留咨 floatLayerData: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=floatLayerData&id=6864481631022134676&city=www&type=news", //取浮层页面数据 xcxWatchInfo: "//m.leju.com/m.leju.com/?site=js&ctl=News&act=getXcxWatchInfo&city=www&type=news&id=6864481631022134676", // 小程序围观信息 getXcxUrl: "//m.leju.com/m.leju.com/index.php?site=js&ctl=users&act=getScheme", //获取跳转小程序URL getCloudThemeList: "//m.leju.com/m.leju.com/index.php?site=js&ctl=Topic&act=getCloudThemeList&city=www", // 云主题评测入口 getWxXcxUrl: "//m.leju.com/m.leju.com/index.php?site=js&ctl=index&act=wxxcx_url", //获取小程序链接 getHouseReviewQcorde: "//m.leju.com/m.leju.com/index.php?site=js&ctl=House&act=getHouseReviewQcorde", //评测二维码 getCommunity: "//m.leju.com/m.leju.com/index.php?site=js&ctl=QrCode&act=getCommunity&sync=1&type=4&qrcode=1", //企业微信二维码 getCaiJingUrl: "", //财经活动url getCaiJingImg: "", //财经活动图片 } } </script> <script> //异步统计参数 var tongJiConfig = { city_topic: '#ln=m_news_info_zhuanti', // 城市专题 touch_open_app_click: "data-lejutj-event-name=\"touch_xzapp_click\" data-lejutj-event-params='{\"bid\":\"4\",\"city_en\":\"bj\",\"level1_page\":\"news\",\"level2_page\":\"new_info\",\"custom_id\":\"6971317068197312317\",\"hid\":\"\",\"tel1\":\"\",\"tel2\":\"\",\"loc_source\":\"hengqie\",\"news_source\":\"\",\"news_origin\":\"\",\"is_login\":\"\",\"pagetype\":\"\"}'", //打开APP-横切 } //各种来源数据 var QQBrowser_source = { //1.无优惠和活动的时默认留咨 2.居里咨询师留咨（评论） level_source: "", liuzi_addConsult: "", //置业顾问-动态留咨 liuzi_addDongtai: "", //400电话标识位 phone_400_bs: "8", //订阅功能 subsource: "", //关注 follow_subsource: "", //im localsource: "", //400电话和置业顾问接口传参数是否是eju专题的数据 is_eju: "", } </script> <script type="text/javascript " src="//res.leju.com/scripts/libs/zepto/v1/zepto.js "></script> <script> var apiconfig = { city: "www", } var pageConfig = {} var comment = {} </script>  <script type="text/javascript" src="//res.leju.com/assets/modules/lejushare/v4/lejushare.js"></script> <script src='//res.leju.com/assets/app/comment-fe/v4/comment.js'></script> <script type="text/javascript" src="//res.leju.com/assets/app/leju-baike/v1/lejubaike.js"></script> <script type="text/javascript" src="//res.leju.com/assets/app/leju-baike/v1/new.js"></script> <script type="text/javascript" src="//cdn-zb.leju.com/js/lejuplayer_2.1.0.min.js"></script> <script type="text/javascript" src="//res.leju.com/assets/modules/cardgroup/v1/cardgroup.js"></script> <script> var swiper1 = new Swiper('#swiper1', { autoplay: 2000, direction: 'horizontal', loop: true, //分页器 pagination: '.swiper-pagination', paginationType: 'bullets', paginationClickable: true, paginationElement: 'a', }); var swiper4 = new Swiper('#swiper4', { slidesPerView: 'auto' }); // var qrcode = new QRCode(document.getElementById("qrcode"), { // width: 140, // height: 140 // }); // let url = 'http://www.runoob.com'; // qrcode.makeCode(url); </script> <script type="text/javascript" src="https://cdn-zb.leju.com/statistics/prod/index.umd.min.js"></script> <script> window.pageDetail = { app_key: 'B1EA267245F996D9',//见如上说明，必传 sdk_key: 'B1EA267245F996D9',//见如上说明，必传 loc_province: '',//传页面城市的省份 loc_city: 'www',//传页面城市，区分城市的页面必传 cityen: 'www',//传页面cityen值 citypub: 'www',//传页面citypub值，区分城市的页面必传 uid: '',//传登录用户的乐居用户系统的uid，登录用户必传 custom_id: '6971317068197312317',//传页面custom_id值 long: '',//传页面定位的经度 lat: '',//传页面定位的纬度 }; var new_tongji_config = { page: [ { pageId: 0, pageUrl: window.location.origin + window.location.pathname, isAuto: 1, elementType: ['button', 'img', 'a', 'span', 'em', 'h1', 'h2', 'h3', 'h4', 'i'], defaultElementType: ['button', 'img', 'a', 'span', 'em', 'h1', 'h2', 'h3', 'h4', 'i'], customize: [], }, ], }; window.onload = function () { window.record.init({ app_id: window.pageDetail.app_key, uid: window.pageDetail.uid, dev: 'pre', //测试环境用dev，正式环境用pre config: new_tongji_config, }); }; </script> </body> </html>

CINXE.COM

个人商品房购买交易流程有哪些？-乐居买房指南