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上海办理公积金贷款流程有谁了解？

上海办理公积金贷款流程有谁了解？

浏览：58次 | 提问时间： 07-10 08:41

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人心隔肚皮 07-10 08:42

申请个人住房公积金贷款，应同时具备以下条件： 1.具有中华人民共和国户籍及有效居民身份证; 2.申请贷款时已连续足额缴存住房公积金6个月(含)以上(不论户籍); 3.具备房屋所在地房地产登记部门所确认的购房合同或协议，并能办理抵押、保证担保手续; 4.已按规定支付购房首期房款;( 首套房公积金贷款首付比例要求二套房公积金贷款首付比例要求) 5.具有完全民事行为能力，信用良好，拥有稳定的职业和收入，有偿还贷款本息的能力; 6.缴存的住房公积金优先用于偿还个人住房公积金贷款。备注：购买首套房和二套房，可以使用公积金贷款，三套以上则禁止使用！

青丝华发醉三世 07-10 08:50

你好!很高兴为你解答，呵呵,你遇到的问题很正常,公积金管理中心的服务态度实在是太差.
流程是这样的
先去房地产交易中心办理产权过户,过户手续结束后,交易中心会出具一份收件收据,这张收件收据公积金管理中心的办理人员会拿走的,20天之后,新产证和他项权利证会办好.公积金管理中心的办理人员会去领新产证,之后再等大概15天,放款手续办好,公积金管理中心通知你到他那里领产证和贷款合同等相关资料.
放款是到房东的账号的.

柠檬琉璃夏不爱我就给我滚 07-10 08:58

你好，上海办理公积金贷款流程，首先你要去公积金中心申请办理贷款，之后就要准备自己的材料，比如房产证，或者土地使用证，然后提交申请资料，与银行签订合同，之后再办理抵押登记就可以了
希望我的回答能够帮助到你，谢谢

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