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成都商贷转公积金贷款流程是怎样的？利率是多少

成都商贷转公积金贷款流程是怎样的？利率是多少

浏览：44次 | 提问时间： 07-02 04:10

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ぬ兲使と翼 07-02 04:10

成都商贷转公积金贷款流程：　　1、把银行欠未还清；　　2、注销抵押登记；　　3、退房，即《买卖合同》撤销备案；　　4、买房，签定《买卖合同》；　　5、办理公积金贷款，完成。其实就是还清贷款，退房，再买房。　　注意的问题：1、截止今日，你只还了8期月供，银行是否同意你提前还款；　　2、开发商是否同意你办理退房再买房，这里的风险还是有的，因为国家的政策是不允许这么办的，另外房地产管理部门也得同意你这么办才行。　　3、最关键的是，这些流程大部份是开发商亲自办理，开发商的意见是关键。　　4、退房再购房的风险是很大的，任何一个环节都有可能出问题，因为没有法律保障。　　5、不管两证是否已办好，都无法用公积金贷款替代部分商业贷款，因为你是向银行借款，并已办理抵押登记。　　6、住房公积金直接还款的流程，各地规定不一，我不在武汉，没办帮你，你最好直接去公积金管理中心咨询。

九黎 07-02 04:19

成都商贷转公积金贷款流程(1)转贷房产设定。借款申请人符合住房公积金贷款条件的，经贷款初审员确认后，先到银行办理商业住房贷款提前还款，提供结清单、最后一次还贷回执、办理转贷的《房屋所有权证》以及《房屋价值议定书》。商业住房贷款转住房公积金贷款采用本套住房设定抵押的，须在商业住房贷款结清后7个工作日内办理。(2)其他房产设定。提供原贷款的借款合同、购房合同、商业银行出具的贷款余额对账单和同意提前还清证明以及另用于设定抵押的《房屋所有权证》、《房屋价值议定书》。

孤心 07-02 04:27

商业贷款转公积金贷款步骤“商业贷款转公积金贷款”业务在很多地方还没有开展，需要具体看你所在地区是否实行，如果你所在地方的政策允许“商转公”的话，办理起来并不复杂。商贷款转公积金流程步骤如下：1、申请人需要符合《住房公积金委托贷款实施细则》的相关规定，如本地户口、月收入充足等；2、申请人已办理商业性贷款，有完整的贷款、产权证、契税证、抵押登记手续；3、已向原按揭银行申请提前还贷并获得银行同意；4、申请人具有良好的信誉，无连续二期以上逾期贷款记录

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成都商贷转公积金贷款流程是怎样的？利率是多少

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成都商贷转公积金贷款流程是怎样的？利率是多少