RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">期房由于价格便宜而受到很多人的青睐，那么，期房抵押贷款流程是什么，期房抵押贷款注意事项有哪些？
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">期房抵押贷款流程：
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">1.贷款人应该到银行咨询期房的抵押贷款流程，了解清楚以后准备相关的资料。办理抵押贷款需要满足的条件：
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">有完全民事行为能力的自然人；截止到贷款日期的实际年龄不能超过65周岁；贷款人有固定的住所；借款人有正当的职业以及稳定的收入来源，有按期偿还贷款本息的能力；同意且能够提供贷款人认可的房产抵押；房产共有人认可其有关借款及担保行为，并愿意承担相关法律责任。
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">2.如果如何以上贷款要求，借款人可以向银行提出贷款申请，银行审批通过后，借款人凭借购房预售合同、房预交款收据的原件及复印件、夫妻结婚证原件及复印件，到银行签订购房借款合同，银行审核通过后发放贷款，房产证下来后给银行，借款人偿还后到银行办理解除贷款并取回房产证。
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">一般来说，按揭的房子是不可以直接抵押的，因为按揭中的房子其实已经是抵押给银行的了，所以不具备完全的产权。但是期房不同，期房的抵押物是期房，也就是说房屋实际上是不存在的，抵押人还没有获得房屋的所有权，银行预估借款人未来某一时间取得房屋的权力之后再提供房产证，这其实是一种期待权。
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px" align="center">
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">1.抵押人是期房的预购人。
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">期房抵押的话，抵押人只能是期房的预购人，房产商不能作为预购人。若允许房产商将已经预售的房屋再用于抵押，一定会引起预购人购买权与开发商抵押权相冲突的状态，使后发生的抵押权妨碍了在先购买权的实现。
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">2.须签订有效的合同。
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">因为期房抵押合同是对主合同起担保作用的从合同，所以其必须以主合同的有效为前提，这个主合同即是预售合同。
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">3、期房抵押必须办理抵押登记。
RDER-: 0px; BORDER-RIGHT: 0px; FONT-VARIANT: normal; WHITE-SPACE: normal; WORD-SPACING: 0px; BORDER-BOTTOM: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: medium; PADDING-BOTTOM: 0px; FONT-STYLE: normal; PADDING-: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 15px 0px 0px; BORDER-LEFT: 0px; WIDOWS: 1; LETTER-SPACING: normal; OUTLINE-COLOR: invert; LINE-HEIGHT: 30px; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 30px; -webkit-text-stroke-width: 0px">期房抵押是抵押权获得公信力的必要途径，它对充分发挥抵押的担保功能，维护交易安全，保护第三人利益，具有非常重要的意义。
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