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公积金贷款购房流程是怎样的？

公积金贷款购房流程是怎样的？

浏览：37次 | 提问时间： 07-10 08:45

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你说会爱我很久 07-10 08:46

公积金贷款购房流程
1，首先，购房者需持商品房买卖合同或贷款联络单到住房公积金管理中心领取贷款申请表，并根据提示，申请人按要求填写住房公积金贷款申请表。
2，然后，申请人持你或者辅助借款人的身份证，同时要准备上户口簿(户口簿不在一起需提供结婚证)，有时候需要你去民政局开取结婚证明或者单身证明。带上商品房买卖合同，填写好的住房公积金贷款申请表到住房公积金管理中心审核贷款额度并计算应交的各项费用。,

熹罔 07-10 08:54

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。

愿你如花般纯洁 07-10 09:03

你好，流畅如下：
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，希望有所帮助。

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