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我想用公积金贷款买房子，还需要找担保公司担保吗？

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集资建房房产证办理费用该怎么算？求大神解答购买首套房，办理两证。需要缴纳哪些费用？请指教！产证不满2年的过户税具体有哪些费用高不高？打听一下赠与房屋的过户费用一般是多少啊？2018年用公积金贷款买房需要收取哪些费用啊？问问，现在国内二手房过户及公积金贷款基本流程是什么？问一下买二手房但没有办房产证的需要交哪些费用？我想问公积金贷款用担保公司有什么作用吗？问问房屋过户费用标准具体情况是怎样规定的？我的房产证己有两年了，费用是怎么算的？有谁知道，谢谢！还没有办理交房手续，我可以提前进行装修吗？我没有工作。想再本地买一套二手房。作为买家需要交些什么费用？都晓得二手房买卖需要过户请问下这房屋过户费用是多少呢？别墅装修验收的四大要点，分别是什么？有无谁了解，谢谢！问一下收房时要交哪些费用？有没有网友晓得？

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我想用公积金贷款买房子，还需要找担保公司担保吗？

浏览：40次 | 提问时间： 07-20 05:11

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3个答案

心已死 07-20 05:12

1、房贷担保人需要有常住户口或长期居留身份。
2、房贷担保人需要有稳定的收入和工作，其个人/企业征信要良好，还要具备一定的还款能力。
3、房贷担保人需要自身有购买住房的合同或协议
4、房贷担保人需要在贷款银行有储蓄账户或者是公积金账户;且存款余额占购买住房所须金额的比例至少30%，并以此作为购买首期付款;
5、房贷担保人假如是担保公司的话，还需要有债权方认可的资产作为抵押。而具备了上诉条件之后的担保人，还需要提供自己的婚姻问题证明、个人/家庭收入证明、公司资产证明等等具备能证明自己有还款能力的材料。另外，做为贷款担保人也应该要明白自己为他人做担保，所需要承担的担保风险不低。

不可名状 07-20 05:28

买房子公积金贷款的担保人有连带的责任，假如说买房子还不起了，达到一定额度的，就会找担保人偿还。由于担保人有为担保承担后果的责任。不过通常公积金贷款还没有还不上的呢，除非被辞职。这应该不会发生。而且准备贷款之初，一定计算好自己的偿还能力
2、公积金贷款是指缴存住房公积金的职工享受的贷款，国家规定，凡是缴存公积金的职工均可按公积金贷款的相关规定申请公积金贷款。

小三始终玩的都是剩货 07-20 05:37

不需要担保人，不过需要担保。不同省市区、不同楼盘开发商情况不同，需要依照实际情况操作公积金贷款。办理公积金贷款的实际条件：
1、准备购房合同、契税、身份证、公积金账户存折、工资收入证明、还款账户存折。
2、夫妻双方还贷，还需要结婚证，原件审核，还需要复印件。
3、不需要担保人，上交材料之后会有担保公司担保。4、15日内作出不准或准予贷款通知。

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