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请问二手房个人住房公积金贷款流程是什么谁清楚吗？

请问二手房个人住房公积金贷款流程是什么谁清楚吗？

浏览：53次 | 提问时间： 07-02 04:10

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世界中央我孤独的漂亮 07-02 04:11

你好，二手房银行办理按揭贷款的流程如下：1、贷款人准备资料：身份证、户口本、婚姻证明、收入证明、银行流水；2、然后到银行签订贷款合同；3、银行会审核贷款人及贷款人家庭的征信情况，如果征信没有问题的话就会打电话审核贷款人提交的资料的真实性；4、审核通过后银行就会叫贷款人把产权证拿到银行；5、银行拿到房管局办理抵押后放款；买房按揭贷款的种类：一、个人住房组合贷款指以住房公积金存款和信贷资金为来源向同一借款人发放的用于购买自用普通住房的贷款，是个人住房委托贷款和白营贷款的组合。此外，还有住房储蓄贷款和按揭贷款等。二、个人住房委托贷款指银行根据住房公积金管理部门的委托，以住房公积金存款为资金来源，按规定的要求向购买普通住房的个人发放的贷款。也称公积金贷款。三、个人住房自营贷款是以银行信贷资金为来源向购房者个人发放的贷款。也称商业个人住房贷款，各银行的贷款名称也不一样，建设银行称为个人住房贷款，工商银行和农业银行称为个人住房担保贷款。

扯不开的爱 07-02 04:19

二手房住房公积金个人住房贷款期限加按揭房产楼龄原则上不超过三十年(含)，其中按揭房产楼龄最长为二十年(含)。

动情动心只为他 07-02 04:27

二手房按揭贷款利率分商业按揭贷款和公积金贷款两种情况，具体如下：一、二手房商业按揭贷款利率分以下三种情况：1、一年(含一年)以下贷款利率：4.85%；2、一至五年(含5年)贷款利率：5.25%；3、五年以上贷款利率：5.40%??；二、二手房公积金贷款利率分以下两种情况：个人住房公积金贷款五年以下(含五年)贷款利率：3.00%；个人住房公积金贷款五年以上贷款利率：3.50%

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请问二手房个人住房公积金贷款流程是什么谁清楚吗？

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请问二手房个人住房公积金贷款流程是什么谁清楚吗？