<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all;">哈尔滨房产抵押贷款，哈尔滨房产抵押贷款公司18646213023哈尔滨房产抵押贷款官网<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all; color: rgb(80, 80, 80); font-family: tahoma, arial, "microsoft yahei", sans-serif; font-size: 18px; white-space: normal;">个人房产抵押一般是指向借款人将房产作为抵押物，个人可以向公司、银行或者是一些单位等等。个人房产的抵押贷款首先要确定的就是房产的归属权是谁的问题，那么到底个人房产抵押贷款流程是怎样的呢?下面就为您解答。<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all; color: rgb(80, 80, 80); font-family: tahoma, arial, "microsoft yahei", sans-serif; font-size: 18px; white-space: normal;">一、个人房产抵押贷款流程<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all; color: rgb(80, 80, 80); font-family: tahoma, arial, "microsoft yahei", sans-serif; font-size: 18px; white-space: normal;">如果你有房产，你的企业急需流动资金想办理房产抵押贷款，为了避免走弯路，必须先了解银行的个人房产抵押贷款流程。<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all; color: rgb(80, 80, 80); font-family: tahoma, arial, "microsoft yahei", sans-serif; font-size: 18px; white-space: normal;">贷款申请：借款人提出贷款用途，金额及年限时间;<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all; color: rgb(80, 80, 80); font-family: tahoma, arial, "microsoft yahei", sans-serif; font-size: 18px; white-space: normal;">申贷资料准备：借款人及抵押人将贷款申请贷款所需文件、证件按要求准备齐全<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all; color: rgb(80, 80, 80); font-family: tahoma, arial, "microsoft yahei", sans-serif; font-size: 18px; white-space: normal;">看房评估(或勘估)：由相关机构对抵押房进行实地勘查、评(勘)估;<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all; color: rgb(80, 80, 80); font-family: tahoma, arial, "microsoft yahei", sans-serif; font-size: 18px; white-space: normal;">报批贷款：将所有申贷资料连同评估报告或勘估意见书报送银行审批;<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all; color: rgb(80, 80, 80); font-family: tahoma, arial, "microsoft yahei", sans-serif; font-size: 18px; white-space: normal;">借款合同公证：借款人及抵押人填写(借款合同)及所有相关文件、签字、盖手印后，由公证人员对其进行公证;<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all; color: rgb(80, 80, 80); font-family: tahoma, arial, "microsoft yahei", sans-serif; font-size: 18px; white-space: normal;">抵押登记手续：银行凭房屋所有权证和借款合同公证书到产权处办理抵押登记手;开护、放款：借款人开立还款账户、银行放款至该账户(注：原则上只有商品房、房改房、安居房可用作抵押物)。<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all; color: rgb(80, 80, 80); font-family: tahoma, arial, "microsoft yahei", sans-serif; font-size: 18px; white-space: normal;">借款人应提供：本人配偶身份证、户口簿、收入材料、个人消费用途的相应合同、婚姻状况材料。<p font-size:18px;background-color:#ffffff;"="" microsoft="" yahei",="" sans-serif;="" font-size:="" 18px;="" white-space:="" normal;="" background-color:="" rgb(255,="" 255,="" 255);"="" style="margin: 0px; padding: 0px; overflow-wrap: break-word; word-break: break-all; color: rgb(80, 80, 80); font-family: tahoma, arial, "microsoft yahei", sans-serif; font-size: 18px; white-space: normal;">抵押人应提供：房屋所有权证，权属人及配偶身份证、户口簿、婚姻状况证