二手房组合贷款的申请流程是什么？ - 银行贷款 - 房产问答

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<h1>二手房组合贷款的申请流程是什么？</h1> <p class="answer-hint">184****3233 | 2025-01-31 22:54:19</p> <button class="answer-btn">我来回答</button> <div class="replay-box hidden"> <textarea name="replay-box" id="replay-box" rows="4" placeholder="请输入你要回答的内容"></textarea> <p class="replay-hint">内容不能为空</p> <button class="repaly-commit">提交回答</button> </div> </div> <div class="wenda-section"> <p class="section-title">已有<span>4</span>个回答</p> <ul class="referrer-answer"> <li> <div class="head"> <i></i> </div> <div class="referrer-box"> <span class="name">185****1738</span> <p class="content"> <span class="text">听说二手房组合贷款要先准备材料，然后银行审批，通过后签合同，最后放款。具体流程我也不太清楚，还是咨询专业人士比较靠谱。</span> </p> <span class="check-all">查看全文↓</span> <span class="time">2025-02-04 15:47:22</span> </div> </li> <li> <div class="head"> <i></i> </div> <div class="referrer-box"> <span class="name">150****5112</span> <p class="content"> <span class="text">二手房组合贷款，需提交完整材料，确保信息真实性。银行审批后，签订合同，办理抵押登记。注意审查合同条款，保护自身权益，避免法律风险。</span> </p> <span class="check-all">查看全文↓</span> <span class="time">2025-02-01 22:05:50</span> </div> </li> <li> <div class="head"> <i></i> </div> <div class="referrer-box"> <span class="name">185****3454</span> <p class="content"> <span class="text">买房贷款？简单说，就是先找银行，交一堆材料，等银行点头，然后签字画押，最后钱到手，房子归你。</span> </p> <span class="check-all">查看全文↓</span> <span class="time">2025-01-31 23:31:45</span> </div> </li> <li> <div class="head"> <i></i> </div> <div class="referrer-box"> <span class="name">158****2728</span> <p class="content"> <span class="text">作为房产投资者，我的经验是：先确定贷款额度和年限，然后提交身份证明、收入证明、房产评估报告等材料给银行。银行审批通过后，签订贷款合同，办理抵押登记，最后放款。</span> </p> <span class="check-all">查看全文↓</span> <span class="time">2025-01-31 23:05:06</span> </div> </li> </ul> </div> <div class="left-group"> <div class="chat-group"> <div class="build-group-line"> <img src="https://mimages.jiwu.com/images/v7.0/jlq2.png"> <div class="text"> <span></span> <div id="scrollviewbox1" class="scrollviewbox"> </div> </div> </div> <input id="mfjl" class="input" type="text" placeholder="请输入手机号码" /> <button data-key="mfjl" onclick="confirmWindowPopForPageInput(17, '加入城市买房群聊（左侧回答底部）')">加入群聊</button> </div> </div> <div class="wenda-section "> <p class="section-title">相关问题</p> <ul class="build-question"> <li> <div> <span>问</span> <a href="https://www.jiwu.com/wenda/9263323.html">二手房组合贷款的流程是什么？</a> </div> <div> <span>答</span> <div class="content"> <p>二手房组合贷款涉及公积金和商业贷款。需确保合同明确贷款条件、利率、还款方式等。购房者应审慎阅读合同，保护自身权益。</p> <a href="https://www.jiwu.com/wenda/9263323.html" title="二手房组合贷款的流程是什么？"> 全部<span>4</span>个回答> </a> </div> </div> </li> <li> <div> <span>问</span> <a href="https://www.jiwu.com/wenda/4112480.html">[购房流程]#二手房#二手房组合贷款是什么？</a> </div> <div> <span>答</span> <div class="content"> <p>组合贷款是指，符合个人住房商业性贷款条件的借款人又同时缴存住房公积金的，在办理个人住房商业贷款的同时还可以申请个人住房公积金贷款，及借款人以所购本市城镇自住住房（或其他银行认可的担保方式）作为抵押可同时向住房公积金管理中心和银行申请个人住房公积金贷款和个人住房商业性贷款。组合贷款是住房公积金管理中心运用政策性住房资金、银行运用商业信贷资金向同一借款人发放的购房贷款，是政策性和商业性贷款组合的总称。即在住房公积金贷款额度之外的贷款需求，由银行资金解决。</p> </div> </div> </li> <li> <div> <span>问</span> <a href="https://www.jiwu.com/wenda/6665235.html">二手房组合贷款流程具体是什么？要怎么申请的呢？</a> </div> <div> <span>答</span> <div class="content"> <p>办理住房抵押保险手续。借款人到产权部门办理完抵押或质押手续后，连同借款合同、抵押合同（质押合同）、房屋他项权证、抵押权证明书等借款资料交贷款银行办理房屋保险手续。</p> <a href="https://www.jiwu.com/wenda/6665235.html" title="二手房组合贷款流程具体是什么？要怎么申请的呢？"> 全部<span>5</span>个回答> </a> </div> </div> </li> <li> <div> <span>问</span> <a href="https://www.jiwu.com/wenda/9258211.html">买二手房办理组合贷款的流程是什么？</a> </div> <div> <span>答</span> <div class="content"> <p>二手房组合贷款流程：申请、审核、签约、抵押、放款。</p> <a href="https://www.jiwu.com/wenda/9258211.html" title="买二手房办理组合贷款的流程是什么？"> 全部<span>3</span>个回答> </a> </div> </div> </li> <li> <div> <span>问</span> <a href="https://www.jiwu.com/wenda/4112485.html">[购房流程]#二手房#申请二手房组合贷款的流程是怎么样的？</a> </div> <div> <span>答</span> <div class="content"> <p>一般来讲，个人申请二手房组合贷款需经过一下流程;1、借款人向住房资金管理中心申请公积金贷款并提供贷款资料，交住房资金管理中心审批;2、凭住房管理中心审批同意贷款金额、期限、利率等资料到贷款行，申请配套个人住房贷款。贷款行受理后根据借款人提供的资料，对借款人资信、职业、收入及还款能力等进行考核，考核借款人是否符合贷款条件，计算贷款额度，确定贷款期限，并在10个工作日内给予借款人答复;3、贷款行审批同意后，与借款人分别签订住房公积金委托借款合同、个人住房借款合同和抵押合同(不用房屋担保的签订质押合同);4、到产权部门办理贷款担保手续。办理住房公积金贷款(组合贷款)有两种担保方式，借款人可以根据自己的实际情况选择其中的任何一种。5、办理住房抵押保险手续。借款人到产权部门办理完抵押或质押手续后，连同借款合同、抵押合同(质押合同)、房屋他项权证、抵押权证明书等借款资料交贷款银行办理房屋保险手续;6、签订《划款扣款协议书》;7、贷款行按照《划款扣款协议书》将组合贷款划入售房方在贷款行开立的账户。</p> </div> </div> </li> </ul> </div> </div> <div class="main-right clearfix"> <p class="section-title">买房交流群</p> <div class="build-group-line"> <img src="https://mimages.jiwu.com/images/v7.0/jlq2.png"> <div class="text"> <span></span> <div id="scrollviewbox2" class="scrollviewbox"> </div> </div> </div> <div class="input-root"> <input class="input" type="text" placeholder="输入手机号，加入买房群" /> <button onclick="confirmWindowPopForPageInput(30, '加入城市买房群聊（右侧悬浮底部）')">加入群聊</button> </div> <div class="gongjijin-wenda"> <p 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target="_blank">大连新房</a> <a href="https://dongguan.jiwu.com/loupan/" title="东莞新房" target="_blank">东莞新房</a> <a href="https://foshan.jiwu.com/loupan/" title="佛山新房" target="_blank">佛山新房</a> <a href="https://fz.jiwu.com/loupan/" title="福州新房" target="_blank">福州新房</a> <a href="https://gz.jiwu.com/loupan/" title="广州新房" target="_blank">广州新房</a> <a href="https://heb.jiwu.com/loupan/" title="哈尔滨新房" target="_blank">哈尔滨新房</a> <a href="https://hf.jiwu.com/loupan/" title="合肥新房" target="_blank">合肥新房</a> <a href="https://huizhou.jiwu.com/loupan/" title="惠州新房" target="_blank">惠州新房</a> <a href="https://hz.jiwu.com/loupan/" title="杭州新房" target="_blank">杭州新房</a> <a href="https://jn.jiwu.com/loupan/" title="济南新房" target="_blank">济南新房</a> <a href="https://km.jiwu.com/loupan/" title="昆明新房" target="_blank">昆明新房</a> <a href="https://lz.jiwu.com/loupan/" title="兰州新房" target="_blank">兰州新房</a> <a href="https://nantong.jiwu.com/loupan/" title="南通新房" target="_blank">南通新房</a> <a href="https://nc.jiwu.com/loupan/" title="南昌新房" target="_blank">南昌新房</a> <a href="https://ningbo.jiwu.com/loupan/" title="宁波新房" target="_blank">宁波新房</a> <a href="https://nj.jiwu.com/loupan/" title="南京新房" target="_blank">南京新房</a> <a href="https://nn.jiwu.com/loupan/" title="南宁新房" target="_blank">南宁新房</a> <a href="https://qingdao.jiwu.com/loupan/" title="青岛新房" target="_blank">青岛新房</a> <a href="https://quanzhou.jiwu.com/loupan/" title="泉州新房" target="_blank">泉州新房</a> <a href="https://sh.jiwu.com/loupan/" title="上海新房" target="_blank">上海新房</a> <a href="https://sjz.jiwu.com/loupan/" title="石家庄新房" target="_blank">石家庄新房</a> <a href="https://suzhou.jiwu.com/loupan/" title="苏州新房" target="_blank">苏州新房</a> <a href="https://sy.jiwu.com/loupan/" title="沈阳新房" target="_blank">沈阳新房</a> <a href="https://sz.jiwu.com/loupan/" title="深圳新房" target="_blank">深圳新房</a> <a href="https://tj.jiwu.com/loupan/" title="天津新房" target="_blank">天津新房</a> <a href="https://ty.jiwu.com/loupan/" title="太原新房" target="_blank">太原新房</a> <a href="https://weifang.jiwu.com/loupan/" title="潍坊新房" target="_blank">潍坊新房</a> <a href="https://wenzhou.jiwu.com/loupan/" title="温州新房" target="_blank">温州新房</a> <a href="https://wh.jiwu.com/loupan/" title="武汉新房" target="_blank">武汉新房</a> <a href="https://wuxi.jiwu.com/loupan/" title="无锡新房" target="_blank">无锡新房</a> <a href="https://xa.jiwu.com/loupan/" title="西安新房" target="_blank">西安新房</a> <a href="https://xiamen.jiwu.com/loupan/" title="厦门新房" target="_blank">厦门新房</a> <a href="https://zhongshan.jiwu.com/loupan/" title="中山新房" target="_blank">中山新房</a> <a href="https://zhuhai.jiwu.com/loupan/" title="珠海新房" target="_blank">珠海新房</a> <a href="https://zz.jiwu.com/loupan/" title="郑州新房" target="_blank">郑州新房</a> </li> </ul> </div> <i class="footmore linsmore"></i> </div> </div>  <div class="linkrow" id="roundcityDiv"> <div class="ftlinkswrap"> <span class="linkstit-v5">城市房价</span> <div class="linkscont-v5"> <ul class="alinklist clearfix" id="roundcityUl"> <li> <a href="https://bj.jiwu.com/fangjia/" title="北京房价" target="_blank">北京房价</a> <a href="https://cc.jiwu.com/fangjia/" title="长春房价" target="_blank">长春房价</a> <a href="https://cd.jiwu.com/fangjia/" title="成都房价" target="_blank">成都房价</a> <a href="https://cq.jiwu.com/fangjia/" title="重庆房价" target="_blank">重庆房价</a> <a href="https://cs.jiwu.com/fangjia/" title="长沙房价" target="_blank">长沙房价</a> <a href="https://dl.jiwu.com/fangjia/" title="大连房价" target="_blank">大连房价</a> <a href="https://dongguan.jiwu.com/fangjia/" title="东莞房价" target="_blank">东莞房价</a> <a href="https://foshan.jiwu.com/fangjia/" title="佛山房价" target="_blank">佛山房价</a> <a href="https://fz.jiwu.com/fangjia/" title="福州房价" target="_blank">福州房价</a> <a href="https://gz.jiwu.com/fangjia/" title="广州房价" target="_blank">广州房价</a> <a href="https://heb.jiwu.com/fangjia/" title="哈尔滨房价" target="_blank">哈尔滨房价</a> <a href="https://hf.jiwu.com/fangjia/" title="合肥房价" target="_blank">合肥房价</a> <a href="https://huizhou.jiwu.com/fangjia/" title="惠州房价" target="_blank">惠州房价</a> <a href="https://hz.jiwu.com/fangjia/" title="杭州房价" target="_blank">杭州房价</a> <a href="https://jn.jiwu.com/fangjia/" title="济南房价" target="_blank">济南房价</a> <a href="https://km.jiwu.com/fangjia/" title="昆明房价" target="_blank">昆明房价</a> <a href="https://lz.jiwu.com/fangjia/" title="兰州房价" target="_blank">兰州房价</a> <a href="https://nantong.jiwu.com/fangjia/" title="南通房价" target="_blank">南通房价</a> <a href="https://nc.jiwu.com/fangjia/" title="南昌房价" target="_blank">南昌房价</a> <a href="https://ningbo.jiwu.com/fangjia/" title="宁波房价" target="_blank">宁波房价</a> <a href="https://nj.jiwu.com/fangjia/" title="南京房价" target="_blank">南京房价</a> <a href="https://nn.jiwu.com/fangjia/" title="南宁房价" target="_blank">南宁房价</a> <a href="https://qingdao.jiwu.com/fangjia/" title="青岛房价" target="_blank">青岛房价</a> <a href="https://quanzhou.jiwu.com/fangjia/" title="泉州房价" target="_blank">泉州房价</a> <a href="https://sh.jiwu.com/fangjia/" title="上海房价" target="_blank">上海房价</a> <a href="https://sjz.jiwu.com/fangjia/" title="石家庄房价" target="_blank">石家庄房价</a> <a href="https://suzhou.jiwu.com/fangjia/" title="苏州房价" target="_blank">苏州房价</a> <a href="https://sy.jiwu.com/fangjia/" title="沈阳房价" target="_blank">沈阳房价</a> <a href="https://sz.jiwu.com/fangjia/" title="深圳房价" target="_blank">深圳房价</a> <a href="https://tj.jiwu.com/fangjia/" title="天津房价" target="_blank">天津房价</a> <a href="https://ty.jiwu.com/fangjia/" title="太原房价" target="_blank">太原房价</a> <a href="https://weifang.jiwu.com/fangjia/" title="潍坊房价" target="_blank">潍坊房价</a> <a href="https://wenzhou.jiwu.com/fangjia/" title="温州房价" target="_blank">温州房价</a> <a href="https://wh.jiwu.com/fangjia/" title="武汉房价" target="_blank">武汉房价</a> <a href="https://wuxi.jiwu.com/fangjia/" title="无锡房价" target="_blank">无锡房价</a> <a href="https://xa.jiwu.com/fangjia/" title="西安房价" target="_blank">西安房价</a> <a href="https://xiamen.jiwu.com/fangjia/" title="厦门房价" target="_blank">厦门房价</a> <a href="https://zhongshan.jiwu.com/fangjia/" title="中山房价" target="_blank">中山房价</a> <a href="https://zhuhai.jiwu.com/fangjia/" title="珠海房价" target="_blank">珠海房价</a> <a href="https://zz.jiwu.com/fangjia/" title="郑州房价" target="_blank">郑州房价</a> </li> </ul> </div> <i class="footmore linsmore"></i> </div> </div> </div> <div class="conyfiv"> <p>深圳市吉屋网络技术有限公司</p> <p> <a href="https://beian.miit.gov.cn" target="_blank" rel="nofollow">粤ICP备11045667号</a> <a href="https://www.beian.gov.cn/portal/registerSystemInfo?recordcode=44030502001914" target="_blank" rel="nofollow"><i class="gongan"></i>粤公网安备  44030502001914号 </a> <a href="https://www.jiwu.com/certificate.html" target="_blank" rel="nofollow">增值电信业务经营许可证</a> <a href="https://www.jiwu.com/bazs.html" target="_blank" rel="nofollow">房地产经纪机构备案</a> <a href="https://szcert.ebs.org.cn/2d7a220d-eb96-426d-af4e-8600e6a4ae1d" target="_blank" rel="nofollow">工商网监</a> <a href="https://si.trustutn.org/info?sn=220151130018942656237&certType=1" target="_blank" rel="nofollow">中国电子认证服务产业联盟</a> </p> </div> </div> </div> </main> <script 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