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关于公积金贷款的流程及贷款要求及额度，请给我介绍一下啊

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购买砖木结构二手房能否申请公积金贷款/具体流程是？关于建设银行住房公积金贷款问题？广东佛山公积金贷款买房流程是怎样的？哪位知道具体该如何操作啊？广东惠州公积金贷款买房流程具体是怎样的？谢谢广州代办公积金贷款可以找谁，怕被骗了，现在太多***公司了啊广州***住房公积金多少钱，有谁知道？广州二手房公积金贷款可以不找按揭公司吗？武汉二手房能按揭吗?广州的住房公积金，装修可以提取吗？有什么情况？广州公积金贷款办理流程？过程怎么样？广州公积金贷款的流程有哪些？通常可以贷多少广州公积金贷款申请流程，办理过程怎么样？广州公积金贷款的流程有哪些？要怎么办理呢？广州公积金贷款装修怎么贷有哪位能告知下吗？广州公积金个人提取流程谁知道？来说说广州公积金审批流程哪位朋友比较熟悉？审批要多少天？

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关于公积金贷款的流程及贷款要求及额度，请给我介绍一下啊

浏览：50次 | 提问时间： 07-02 04:10

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3个答案

白衣的书生 07-02 04:11

全国很少地方可以有商业贷款转为公积金贷款的(俗称商转公)。把有此项目的手续转过来参考一下：商业住房贷款如何办理转公积金贷款手续1、转贷条件(1)符合各放贷银行关于转贷的相关规定并取得银行同意。(2)符合申请住房公积金贷款的相关要求。2、可贷额度(1)个人最高贷款额度不超过住房公积金贷款的最高额度；多人共同申请可累加各自可贷额度。(2)贷款额度不超过以下三种情况中数额最少者：A、贷款剩余本金金额。B、所购房屋价值的70％。C、以贷款金额减去因该笔贷款已支取的住房公积金金额的差。(3)已出证房产的抵押贷款额度按我管理中心有关二手房抵押贷款规定。3、贷款年限贷款年限最长为20年，具体贷款年限按照我市住房公积金贷款有关规定，由市住房公积金管理中心最终核定。4、申请流程(1)申请人经原放贷银行同意，按放贷银行要求办理相关手续，经办银行出具《商业住房贷款转住房公积金贷款同意书》。(2)申请人携原《商业住房贷款合同》、《商业住房贷款转公积金贷款同意书》与《公积金贷款申请表》到市住房公积金管理中心申请转贷，住房公积金管理中心核定贷款额度与年限后，交委托律师及经办银行办理相关手续。(3)经办银行按照贷款发放的有关程序，办理贷款审核与发放手续。关键是需要你原来贷款的那家商业银行的同意，出具商转公的同意书。(不过有得办的地方本就不多，能办得成的就更少了，要做好心理准备。)

心软是病不治要命 07-02 04:19

成都的政策。其它地方差不多：为进一步加强对职工基本住房需求的保障力度，更好的支持职工合理的住房贷款需求，根据住建部、财政部、人民银行联合下发的《关于发展住房公积金个人住房贷款业务的通知》(建金

听说海能吞掉鱼的眼泪 07-02 04:27

在职职工申请住房公积金贷款的条件：第一要求建立公积金在一年以上，第二是要求在申请贷款之前连续6个月缴存公积金。公积金贷款年限由双方商定，但最长不得超过30年，同时也不得超过借款人从贷款之日起至法定退休时间。贷款额度是你所购房款的7成，最高到8成，然后要根据各地规定，贷款额度有上限的。还款方式就要看你的贷款额和你的收入了，只要你们单位给你缴纳了公积金，你都可以去你们当地的公积金中心具体询问一下的，目前公积金购二套房首付上调至五成，利率好像仍为3.87%，第三套暂停放贷。之前我在搜索关于贷款信息的时候好像在数银――贷款网看到过类似的信息，你可以去浏览看看

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