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漳州二手房公积金贷款流程是怎么样的？

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漳州二手房公积金贷款流程是怎么样的？

浏览：57次 | 提问时间： 07-10 10:10

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3个答案

吐彩虹症 07-10 10:11

漳州二手房公积金贷款流程：
①“住房公积金贷款申请审批表”3份，住房公积金管理中心现场填写。
②交易双方夫妻二人户口簿、身份证、结婚证原件及3份复印件。
③与房屋产权所有人(包括住房共有人)签订的合法、有效的房屋交易合同原件3份；交易房屋的共有人未在房屋交易合同上签字的，需提供其同意出售的书面证明原件3份。
④交易房屋的权属证书，即《房屋所有权证》原件及3份复印件。共有的房屋，要提供《房屋共有权证》原件及3份复印件。
⑤预付购房款票据、契税完税证原件及3份复印件。
⑥涉及抵押或质押担保的，需提供抵押物或质押权利权属证明原件及3份复印件以及有处分权人同意抵(质)押的书面证明原件3份。以所购住房或其他抵押物抵押的，还需要提供贷款机构认可的评估机构出具的对交易房产或其他抵押物的评估报告原件3份。
⑦涉及保证担保的，需提供保证人具有保证能力的证明(包括营业执照、近三年财务报表、资质等级证明、资信等级证明等)复印件3份。
望采纳。

没有你我会慌 07-10 10:19

你好，漳州二手房公积金贷款流程如下：
步骤一：
提出申请：申请人持提取证明到郑州市住房公积金管理中心任一网点申请提取住房公积金。
步骤二：
审核：经初审后，若发现提交资料有缺失或无用的，当场退回给申请人，并给出不能通过的原因。申请人可将材料备齐后再次前往管理中心办理。
步骤三：
收到答复：初审通过的，在受理申请日后的3个工作日内给予答复，退还所提交的资料正本。
步骤四：
银行放款：到开户银行办理提取转账手续，逾期无效，提取款项由经办银行划账至申请人本人银行储蓄存款帐户。
希望我的回答能够帮到你。

幼稚 07-10 10:28

你好：
1签署买卖合同：
2买方进行购房资质审核；卖方进行房屋核验   
3房屋评估：评估公司对房屋进行评估   
4首付款资金监管：保证房款资金的安全   
5面签、初审：买卖双方办理面签手续、银行初审  
 6签署借款合同：买方到银行签署借款合同   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。
希望能帮到你

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