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用住房公积金贷款买房流程谁能详细说说？谁知道该怎么办理啊？_其他_设计456问答
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用住房公积金贷款买房流程谁能详细说说？谁知道该怎么办理啊？

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用住房公积金贷款买房流程谁能详细说说？谁知道该怎么办理啊？

浏览：42次 | 提问时间： 07-01 04:34
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3个答案
心倦 07-01 04:35

住房公积金要交满一年才可以用公积金贷款买房，或者装修。如果有现钱的话，也可以公积金放在那，等你退休了能一次性取出来的。不过公积金贷款利率比较低还是很合适的。如果你想要用公积金贷款，一般是先买房，然后拿着和售楼开放商给你的购楼发票去申请贷款，具体流程和需要的东西你还是给你们当地的住房公积金部门打电话咨询一下吧，每个地方要求的不一样的。

深而久 07-01 04:43

用住房公积金异地买房贷款可以么？职工在外地购房是不能享用住房公积金贷款的。因为，住房公积金贷款实行以所购住房予以抵押，担保住房公积金债权实现的制度。由于抵押物在外地，对抵押物的监管难以实现，贷款风险相对较大。所以，职工在外地购买住房不能申请住房公积金贷款。

予取予求 07-01 04:52

建议你到当地住房公积金管理处拿一份表格，上面会详细说明你要准备的东西。只要你手中持有与开发商签订的购房合同，而且是经过网上备案的，那么没有房产证也是可以贷款的。但你要抓紧时间，因为如果你要把公积金提现，那么所提供的材料时效必须在半年以内。但若只是贷款，则没有时间限制。

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