二手房抵押的流程-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	二手房抵押的流程
释义	1.提交抵押贷款所需资料：借款人及配偶身份证、户口本、房产证、收入证明、近半年银行流水和最重要的征信报告。2.银行工作人员上门考察房产情况，审核提交资料是否属实，是否具备二手房抵押贷款条件，计算额度，确定贷款年限。3.到贷款银行签订借款合同。审核通过，借款人和银行签订借款合同和抵押合同。4.申请人到产权部门办理完抵押手续后，连同借款合同、抵押合同、房屋他项权证、抵押。法律依据《中国银行个人二手住房贷款业务管理办法》第十二条
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