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用公积金贷款购房流程有哪些？谁知道怎么办理啊

用公积金贷款购房流程有哪些？谁知道怎么办理啊

浏览：67次 | 提问时间： 07-20 05:11

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ち痴╬烟こ癡的是寂寞せ 07-20 05:12

住房公积金购房方法1，公积金的使用包括公积金贷款和公积金提取2，不要指望用公积金贷款付首期，除非你上面有人，否则正常公积金贷款的审核会在付首期款的期限之外3，公积金贷款利率比商业贷款低一点，能申请一定要申请，实际利率参照各银行网站信息4，公积金买房流程：签购楼合同-办理贷款（商业贷款和公积金贷款，实际要提供的资料办理时销售会跟进的，各地有些本地政策会有少少出入，听销售的没错）-贷款下来付给地产商-地产商收到款出发票交楼-拿齐发票就可以申请公积金提取（又是各地手续细微差异，问自己单位的公积金部门）-每半年提取公积金（提出来就不限定用途了）

珍惜到最后什么也留不住 07-20 05:29

苏州贷款买房流程有哪些现如今购房已然成为年轻人最向往和头疼的事，有一套房固然很幸福，不过首付和还贷的压力也会让人喘不过气。假如在苏州买房使用公积金贷款购房的话相对就轻松许多。苏州公积金贷款购房有一些条件和流程，假如符合这些条件按照正确流程申请，那就可以用公积金购房了。苏州公积金贷款购房流程
（一）借款人申请住房公积金贷款需要向市住房公积金管理中心提出书面申请，填写住房公积金贷款申请表并如实提供有关资料。
（二）市住房公积金管理中心负责借款人资格、担保人资格、贷款额度和贷款期限的审查及合同的填写同意后，借款人与中心签订相关合同或协议，并按中国人民银行规定办理保险。
（三）贷款手续办理完毕后，市住房公积金管理中心给银行签发准予贷款通知书，银行接到贷款通知书后办理贷款划付手续特别提醒：购房时，借款人依照自己公积金的缴纳情况，到银行进行测算，就可得知贷款的金额和每月还款数额。依照公积金管理有关规定，每年提取一次。假设客户每年一次提取的公积金为15000元，而每月公积金贷款还款额为1500元，商业贷款还款额为1000元，在还款方式上可选取“余额冲贷法”，即提取的公积金首先归还当月住房公积金贷款和商业贷款本息（共计2500元），余额12500元可一次性偿还住房商业性贷款本金，在还清住房商业性贷款本金后，尚有余额的再偿还公积金贷款本金，由于商业性贷款利率高于公积金贷款利率。“冲还贷”后，借款人可选取缩短原还款期限的方式或选取还款期限不变，减少月还款额的方式进行还贷。但现在商业银行对客户提前还款的次数是有一定限制的。假如客户选取“等额本息”还款法，每月等额还贷金额保持2500元不变，那么提取的公积金15000元，将按照原扣款方式连续每月扣款2500元。余额不足时，借款人应及时将足额款项注入用于还款的银行卡中，上述两种还款法，客户可依照自身实际进行选取。

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用公积金贷款购房流程有哪些？谁知道怎么办理啊

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