房产抵押应该怎么样办理-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	房产抵押应该怎么样办理
释义	房产抵押主要有四个步骤，第一是提出贷款申请借款人向金融机构提出贷款申请，提出时要说明贷款用途、金额及贷款期限；第二是银行审贷，银行对借款人担保、信用等情况进行调查，按程序进行审批，并将审批结果通知借款人。第三是签约；第四是发放贷款。。《城市房地产抵押管理办法》第六条。国家实行房地产抵押登记制度。。《城市房地产抵押管理办法》第二十五条。房地产抵押，抵押当事人应当签订书面抵押合同。。《城市房地产抵押管理办法》第三十一条。房地产抵押合同自抵押登记之日起生效。
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