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公务员住房公积金贷款买房流程谁知道？

浏览：51次 | 提问时间： 06-26 09:39
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侵她国占她城上她床 06-26 09:39

公务员住房公积金贷款买房流程，公积金贷款挺方便的，主要是担保方式，一种房产抵押，这个买首套房的年轻人很少有房子抵押的，父母的旧房子也需要公证评估，需要收费，而且麻烦。找两个自然人担保，这个也挺不方便的，主要还得冻结她们的公积金。第三种就是找公积金制定担保公司，大概收费是贷款金额的3%多。这个比较快，也方便。至于程序去公积金网站找你要贷款的选项有需要准备的东西，都不太难。

麦兜当当伴我心 06-26 09:48

公务员住房公积金贷款买房的流程：　　1、初审：　　由住房资金管理中心对申请人提交的材料进行初步审查，包括申请人资格、贷款额度、贷款期限，初审合格以后，由中心出具《抵押物审核评估通知单》。　　2、评估：　　申请人持《抵押物审核评估通知单》到中心指定的评估机构，对所购买的房屋价值进行评估。经济适用房不需要评估。　　3、审核：　　申请人持评估机构出具的《评估报告》以及中心要求的初审材料到中心进行贷款审核。如果合格，中心开具《住房资金管理中心担保委托贷款调查通知单》。　　4、办理担保手续：　　申请人持《住房资金管理中心担保委托贷款调查通知单》，按照自己选择的担保方式办理担保手续。如果选择抵押+保证的方式，保证人应该出具书面的担保函；如果选择抵押+保险或第三人保证的方式，应该到保险公司投保或到担保机构办理委托担保手续。　　5、签订借款合同。　　6、住房资金管理中心与受托行签订委托贷款协议。　　7、借款人直接向住房资金管理中心提出贷款申请，受托行业可根据需要，代为收集借款人申请资料，统一交住房资金管理中心审核、审批。　　8、住房资金管理中心对每笔贷款金额、期限、利率审批同意后，与受托行签订委托贷款合同。　　9、受托行按照委托贷款合同约定，与借款人分别签订《住房公积金委托贷款抵押合同》、《住房公积金委托贷款质押合同》和《住房公积金委托贷款保证合同》后，办理借款手续。　　10、受托行将贷款直接划入售房方在受托行开立的指定账户。

麦兜当当伴我心 06-26 09:56

首先是初审，初审合格后会对你个人进行评估，包括经济实力，和你要买的房进行评估，然后申请人持评估机构出具的《评估报告》中心要求的初审材料到中心进行贷款审核；然后你就可以办理手续，有两种担保方式(如果选择抵押＋保证的方式，保证人应该出具书面的担保函；如果选择抵押＋保险或第三人保证的方式，应该到保险公司投保或到担保机构办理委托担保手续。)最后一项签订借款合同和住房资金管理中心与受托行签订委托贷款协议。就完成了。

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