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请问成都购房公积金贷款流程谁清楚？有人知道具体是什么啊？

请问成都购房公积金贷款流程谁清楚？有人知道具体是什么啊？

浏览：41次 | 提问时间： 07-02 04:10

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易感动 07-02 04:11

成都二手房贷款流程如下：【承办机构】：成都住房公积金管理中心、分中心及银行网点二手房公积金贷款申请人必须符合以下条件：1、已经连续正常缴存成都公积金一年以上;2、没有提取公积金支付所购住房首付款，同时没有公积金贷款余额;3、有稳定经济收入，贷款偿还能力及信用良好;4、具有购买再交易住房的交易合同或协议，且首付款不低于所购住房价值的30%;5、同意以所购房产及其权益作为贷款抵押担保;6、成都公积金中心规定的其他条件。二手房公积金贷款所购房屋必须符合如下条件：1、房屋产权明晰，可上市交易;2、房屋交易行为必须在当地房管部门或其批准的房地产交易机构进行，并且交易手续已经房管部门批准;3、所购房屋能够办妥房屋产权、抵押登记手续;4、所购房屋不属于砖木结构住房、无独立厨卫的住房，经有关部门鉴定为危房的住房，已改变产权用途的住房，其他不宜处置的住房。二手房公积金贷款资料：1、买卖双方有效身份证明;2、买卖双方婚姻状况证明;3、买方缴存公积金证明;4、买方稳定经济收入证明;5、具有拟购住房的房屋所有权证;6、房屋价值评估报告;7、公积金中心要求的其它资料。二手房公积金贷款流程：1、申请人向受托银行递交公积金贷款申请资料;2、房地产评估机构及受托银行/成都公积金中心工作人员对资料进行审核及调查;3、根据调查意见，受托银行进行审查，公积金中心进行审批;4、经审批符合条件则批准贷款，受托银行通知申请人办理相关手续。二手房公积金贷款额度：1、最高额度不能超过成都住房公积金管理委员会确定的住房公积金贷款最高额度。2、单笔可贷额度不得超过房地产评估价值或房屋实际成交价格的70%，且符合按下列公式计算的可贷款额度：借款人(包括共同借款人，下同)申请贷款时上月住房公积金正常缴存余额之和×20(倍)。

绯伤凉薄人落笔映惆怅 07-02 04:19

外地户口需提供一年以上的社保或纳税证明如果购房者的户口不在成都，那么贷款买房时，须提供在成都缴存满一年以上的社保证明或纳税证明。公积金贷款买房，需在成都缴存公积金按照成都住房公积金贷款政策的规定，要申请公积金贷款买房的客户，必须在该市连续足额缴存公积金满一年(含)以上，且账户处于正常缴存状态。

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