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浏览：47次 | 提问时间： 06-30 04:52

名下无房，我想问一下商贷和公积金贷款买房的流程（最好能附上工作日几天），还有就是我想在北京和外地都买房想先在外地买一商贷房再在北京纯公积金买，这样都算首套了商贷的到了哪一个环节就算首套和贷款利率审批下来了怕外地的没审核下来就买北京公积金贷款这边把外地的首套给冲突了

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浅夏微凉 06-30 04:52

您好，根据您的情况，打算在外地商贷购房，在北京公积金贷款购房，并且希望都按照首套贷款计算，由于不同城市贷款流程和办理方式有所不同，所以，在这里，我只能给您描述下北京市的流程作为参考，商贷流程：房屋核验、客户资质审核(这两个步骤，外地暂时不需要)、签约、网签、办理银行贷款面签、评估房屋、付首付(资金监管)、银行批贷(出批贷函)、缴税、过户、抵押登记、出他项权利证、放款。公积金贷款(这里以市属公积金为例，房屋核验、客户资质审核(这两个步骤，外地暂时不需要)、签约、网签、评估房屋，付首付(资金监管)、公积金面签初审、签借款合同、缴税、过户、抵押、放款。商贷走到银行出批贷函，就可以确定贷款利率了，根据您的实际情况，先做外地的贷款，做完之后再做北京的公积金贷款，只要北京无房，公积金就也可以算作首套了。

苦瓜脸 06-30 05:01

一、全款：1.资质审核，房屋核验，2.网签，3.预约缴税，4.资金监管，5.预约缴税过户。二、商贷：1.资质审核，房屋核验，2.网签，3.面签，4.批贷，5.预约缴税，6.资金监管，7.预约缴税过户。三：公积金:1.资质审核，房屋核验，2.网签，3.预约评估，4.预约面签初审，5.预约缴税，6.资金监管，7.预约缴税过户。

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