房屋抵押贷款的办理流程:1、双方签订合同约定首付款、贷款和尾款的金额;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;2、银行对贷款申请进行调查、审批;3、购房人与银行办理房产抵押登记;银行向售房人账户发放贷款;4、买卖双方办理房屋物业结清,售房人向购房人取得尾款;购房人收房,按月还款。
相关法律规定
《民法典》第三百九十四条 【抵押权的定义】为担保债务的履行,债务人或者第三人不转移财产的占有,将该财产抵押给债权人的,债务人不履行到期债务或者发生当事人约定的实现抵押权的情形,债权人有权就该财产优先受偿。
前款规定的债务人或者第三人为抵押人,债权人为抵押权人,提供担保的财产为抵押财产。
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陈雷律师
合同-债务-婚姻
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王金虎律师
民商事诉讼
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济南律师苑学宁
投资、土地拆迁
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上海王明磊律师
刑辩-离婚-拆迁
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广东邹海燕律师
民商事、债权债务
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广东朱俊凯律师
婚姻-借贷-房产
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重庆郭田律师
劳动-房产-合同
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苏州汤芳芳律师
婚姻-交通-劳动
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