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2023长沙公积金贷款买房流程是怎样的？

2023长沙公积金贷款买房流程是怎样的？

浏览：56次 | 提问时间： 07-10 08:21

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栅栏下的折耳仙女 07-10 08:21

你好，关于长沙住房公积金贷款买房的流程：
一、借款人向担保公司提供相关资料证明：夫妻双方(若有共同还贷人，还需提供参与还贷人)的身份证、户口薄等原件及复印件3份；借款人的婚姻状况证明及复印件3份；夫妇双方(参与还贷人)的月收入证明原件及复印件一份；占房价40％或以上的自筹资金证明交存到房地产交易中心或售房单位出具的收据原件及复印件两份；购房合同原件和复印件2份；
  二、申请组合贷款的借款人含其配偶，须由单位提供单位公积金账号及本人含其配偶公积金月缴额；
三、确定拟贷款额度，由贷款银行、城市房改资金管理中心、担保公司进行审批；
  四、审批通过后签订相关合同，办理有关手续。银行发放贷款。借款人按期还本付息。希望我的回答可以帮助到你希望我的回答能够帮助到你

兽 07-10 08:30

长沙公积金贷款买房流程；
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。
希望我的回答能够帮助到您。

用旅行来遗忘爱 07-10 08:38

公积金贷款买房注意事项：
1、公积金账户余额做购房首付
很多人都认为既然公积金是职工购房福利政策那么理所当然的可以用来支付购房首付，其实这是不对的，因为公积金是先使用之后才可以提取的，简而言之，购房者只有在购房后提供购房的证明材料才可以办理提取手续。
2、装修提取住房公积金
住房公积金仅用于职工购买、建造、翻建、大修自住住房时可以提取。装修不在住房公积金提取范围内，因此装修提取住房公积金是不行的。
3、公积金贷款额可以超出上限
公积金贷款与商业贷款存在很大区别，即不能单纯的依据房产评估值来计算贷款额，需要根据借款人收入、缴存额和缴存比例来计算，并且不能超出公积金贷款最高上限。
4、提取总额可以超过房款总额
公积金的提取总额不能超过房款总额，比如，贷款购买的房屋总价为30万元，而他的公积金存储余额有40万元，他只能提取30万元的公积金，剩余的10万元公积金不能提取。
希望我的回答对您有所帮助！

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