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如今,拥有一套自己的住房,即使对于工薪阶层来说,也不是什么难事,中国老太太和美国老太太对话的情景再也不会出现在我们的生活中了。因为,银行贷款可以解决购房者资金短缺问题。商业贷款一般涉及5个当事人,贷款人、房地产开发商,贷款银行,贷款律师和保险公司。基本程序包括4个主要环节,贷款人对贷款事项进行咨询,根据贷款银行的要求准备好贷款所需要的材料及费用,在签订商品房买卖合同后同银行签订贷款协议(目前银行大多指定律师事务所来代理这项业务),最后,银行根据贷款人提交的材料及律师事务所出具的法律意见书来审批贷款。在办理商业贷款的每一个环节上,贷款人都要心细如麻、心知肚明。
Now, having a home of your own, even for working-class people, is not a problem, and the dialogue between the old lady in China and the old lady in the United States will never show up in our lives. Because, bank loans can solve the problem of shortage of funds buyers. Commercial loans generally involve five parties, lenders, real estate developers, lending banks, loan lawyers and insurance companies. The basic procedure consists of four main steps. The lender consults on the loan issues, prepares the necessary materials and fees for the loan according to the requirements of the lending bank, and signs a loan agreement with the bank after signing the contract for the sale and purchase of real estate (most of the designated law firms To represent the business), and finally, the bank approves the loan based on the material submitted by the lender and the legal opinion issued by the law firm. At every stage of conducting a commercial loan, the lender should be attentive and fully informed.