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【苏州】离婚后,有按揭的房子,怎么过户给到次贷人?

2026-02-04 21:31:12

【苏州】离婚后,有按揭的房子,怎么过户给到次贷人?

最近接了几笔苏州离婚析产垫资过桥的业务，接下通过一个案例来聊聊整个离婚析产这个事该如何处理。

情况一：离婚后房子归按揭主贷人所有

这种情况最省事，离完后两人直接去房管局办理手续即可，原配偶名去掉，换成单独所有的新证。即可。

情况二：离婚后房子归次贷人所有。

案例：房子价值300万，男方按揭尾款100万，离婚后房产归女方所有。

方法①：女方带着离婚证，离婚协议到银行重新重新走一遍按揭流程，变更主贷人（如银行同意下），或结清上笔按揭，再重新发放到女方名下。

此方案重点是女方是否符合房贷审批条件。

方法②：通过100万的过桥垫资使房子变成全款状态，去掉男方名字后，房子变为女方单独所有，再去银行申请抵押贷，放款后归还100万垫资本金及息费。整个流程结束。

感谢阅读！！

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