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谁知道2023大连公积金贷款买房流程是怎样的？_其他_设计456问答
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谁知道2023大连公积金贷款买房流程是怎样的？

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谁知道2023大连公积金贷款买房流程是怎样的？

浏览：55次 | 提问时间： 07-10 08:41
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3个答案
Apologze 07-10 08:42

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。

念想 07-10 08:50

(一)营业执照或批准设立文件;
(二)房地产开发资质证明;
(三)项目所在土地权属证明;
(四)建设用地规划许可证明;
(五)建设工程规划许可证明;
(六)建设工程施工许可证明;
(七)商品房(预)销售许可证明、集资建造住房(房改房)批准文件。

嘲 07-10 08:59

1、交完首付,签订合同(7-8份,其中1份为备案合同),等待开发商合同备案(1份);

　　2、去开发商处领取备案合同(原则上开发商给你打电话,事实上你可以反复给你的售楼员打电话询问,因为他可能忙于把楼卖给下一个人,而忘记通知你备案合同已返回开发商);

　　3、领取备案合同后,凭相关手续去缴纳维修基金和契税(去房地产大厦缴纳,也有说可在大东区财政局缴纳其中一样);以上全都完毕以后,凭以下要件去公积金所属管理部办理贷款

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