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谁知道中山公积金贷款买房流程是怎么样的？

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谁知道中山公积金贷款买房流程是怎么样的？

浏览：36次 | 提问时间： 07-07 04:27

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4个答案

梦里相遇 07-07 04:28

中山公积金贷款买房流程：规定连续缴纳满6个月，账户处于缴存状态，就可以凭身份证，户口本，婚姻状况证明，购房合同和买房票据，到单位财会咨询办理公积金贷款购房手续。申请住房公积金贷款，从申请到放款一般需要1-3个月的时间。

白月光℉ 07-07 04:36

1.借款人购买商品房的，必须有不少于总房价30%以上的自筹资金作为房屋首付款。
2.借款人有稳定的经济收入、信用良好、有偿还贷款本息的能力。
3.夫妻双方都正常足额缴存住房公积金的，只允许一方申请住房公积金贷款。
4.一个家庭同一时间只能申请一次住房公积金贷款购买一处住房。
5.贷款人须有本省(市)城镇常住户口或有效居留身份。 同意用所购住房做抵押。
希望我的回答可以帮助到你。

累了回头 07-07 04:44

贷款办理流程：
1、一手房：申请人购买一手房申请公积金贷款前必须进行个人资格认证。本市缴存公积金的申请人只需要携带身份证、公积金联名卡到我中心或办事处前台或相应归集银行柜台签订《中山市住房公积金业务自助办理服务协议》，开通个人网上办事大厅权限，取得网上办事大厅的账号和密码，就可以登录大厅办理个人资格认证。外地缴存公积金的申请人需持就业地住房公积金管理中心出具的缴存证明及缴存流水(最近半年)到公积金中心前台办理个人资格认证。办理资格认证后，可获得一个认证编码，编码的有效期为两个月，过期后可重新申请。开发商凭申请人的认证编码在网上向公积金中心申请贷款，并向承办银行提交材料办理相关手续。
2、二手房：要在房产交易过户前，到贷款银行申请对交易房产进行评估，评估完成后携带办理二手房公积金贷款所需资料到市住房公积金管理中心登记申请，申请受理后由申请人将所需资料交委托贷款银行办理相关手续。
3、建造、翻建、大修自建房：申请人申请建造、翻建、大修自住住房公积金贷款的，到贷款银行申请对抵押物进行评估，评估完成后携带办理建造、翻建、大修自建房公积金贷款所需资料市公积金中心办事大厅或各直属机构登记申请，申请受理后由申请人将所需资料交委托贷款银行办理相关手续。

太狭窄 07-07 04:53

中山公积金贷款买房流程：初审、评估、审核、办理担保手续、签订借款合同。申请条件：住房公积金贷款的前提条件是，城镇职工个人与所在单位必须连续缴纳住房公积金满一年。

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