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房屋公积金借款买房流程是什么？

房屋公积金借款买房流程是什么？

浏览：37次 | 提问时间： 07-06 08:16

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我要把握 07-06 08:17

首先准备材料: 个人资料：申请贷款的个人(以下简称借款人)身份证明及配偶的相关身份证明(身份证或其他有效证件均可)的复印件各4份；借款人的婚姻证明(单身证明、结婚证书、离婚证书或离婚判决书，丧偶者须提供对方的死亡证明)的复印件各4份；交购房款的有效凭证复印件4份；借款人及配偶(没有配偶可忽略)的收入证明各4份；合法的购房合同原件4份；以及借款人及其配偶(没有配偶可忽略)的印章；另外，必须提供借款人住房公积金的缴存证明。以上这些材料，一定要带上原件及相应份数的复印件。房屋建审资料：商品房预(销)售许可证或房改批复；建设工程规划许可证；建设工程施工许可证；建设用地规划许可证；国有土地使用证；建审平面图及楼层平面图。

1.初审
由住房资金管理中心对申请人提交的材料进行初步审查，包括申请人资格、贷款额度、贷款期限，初审合格以后，由中心出具《抵押物审核评估通知单》。
2.评估
申请人持《抵押物审核评估通知单》到中心指定的评估机构，对所购买的房屋价值进行评估，经济适用房不需要评估。
3.审核
申请人持评估机构出具的《评估报告》以及中心要求的初审材料到中心进行贷款审核。如果合格，中心开具《xx市住房资金管理中心担保委托贷款调查通知单》。
4.办理担保手续
申请人持《市住房资金管理中心担保委托贷款调查通知单》，按照自己选择的担保方式办理担保手续。如果选择抵押+保证的方式，保证人应该出具书面的担保函；如果选择抵押+保险或第三人保证的方式，应该到保险公司投保或到担保机构办理委托担保手续。
5.签订借款合同
公积金贷款利率要低于商业贷款，5年以内(含5年)，利率2.75%；5年以上，利率3.25%。国家规定公积金贷款额度最高不能超过借款人退休年龄内所缴纳的住房公积金数额的两倍。国家规定贷款期限是一至十年，最多不超过二十年，银行一般要求借款人采取先付息、后还本的等额还款方式还本付息。银行一般有3种方法来确定究竟给借款人多少借款金额、多长借款期限。
(1)以借款人缴存的住房公积金余额的10倍来决定放款金额；
(2)按借款人工资总额的40%作为可以申请的贷款额度；
(3)根据借款人的月还款能力，以及银行的贷款率，代入相应公式，可以算出大致还款年限。
此外，银行会在每年的三月份办理公积金的“冲还贷”，冲减金额不超过当年每月等额还款数的12倍，也就是说，您缴纳的公积金不光可以申请利率较低的贷款，还可以帮您偿还一部分贷款额。

哭出声 07-06 08:26

1、签署买卖合同：买方进行购房资质审核；卖方进行房屋核验

2、房屋评估：评估公司对房屋进行评估

3、首付款资金监管：保证房款资金的安全

4、面签、初审：买卖双方办理面签手续、银行初审

5、签署借款合同：买方到银行签署借款合同

6、缴税、过户：买卖双方办理缴税手续及产权变更手续，领取新产权证

7、首付款解冻：资金监管部分解冻，卖方拿到首付款

8、抵押登记：买方将新的产权证拿去抵押

9、银行放款

故意放手 07-06 08:34

你好。要看你买的房子是什么类型的，一般只要符合“贷款条件”都可以。

闹过我还爱 07-06 08:42

1、初审：
由住房资金管理中心对申请人提交的材料进行初步审查，包括申请人资格、贷款额度、贷款期限，初审合格以后，由中心出具《抵押物审核评估通知单》。
2、评估：
申请人持《抵押物审核评估通知单》到中心指定的评估机构，对所购买的房屋价值进行评估。经济适用房不需要评估。
3、审核：
申请人持评估机构出具的《评估报告》以及中心要求的初审材料到中心进行贷款审核。如果合格，中心开具《住房资金管理中心担保委托贷款调查通知单》。
4、办理担保手续：
申请人持《住房资金管理中心担保委托贷款调查通知单》，按照自己选择的担保方式办理担保手续。如果选择抵押＋保证的方式，保证人应该出具书面的担保函；如果选择抵押＋保险或第三人保证的方式，应该到保险公司投保或到担保机构办理委托担保手续。
5、签订借款合同。
6、住房资金管理中心与受托行签订委托贷款协议。
7、借款人直接向住房资金管理中心提出贷款申请，受托行业可根据需要，代为收集借款人申请资料，统一交住房资金管理中心审核、审批。
8、住房资金管理中心对每笔贷款金额、期限、利率审批同意后，与受托行签订委托贷款合同。
9、受托行按照委托贷款合同约定，与借款人分别签订《住房公积金委托贷款抵押合同》、《住房公积金委托贷款质押合同》和《住房公积金委托贷款保证合同》后，办理借款手续。
10、受托行将贷款直接划入售房方在受托行开立的指定账户。

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