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公积金贷款先过户吗？流程怎么走？

浏览：56次 | 提问时间： 07-21 11:55
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3个答案
夏木任曦 07-21 11:55

办理二手房过户，买家办理公积金贷款，需要先申请，通过后，办理过户，把住房过户给买家吗，之后，公积金才会给你划款给卖家，你们没有办理过户，不会给你钱。

heartde我是放大镜我聚光 07-21 12:04

二手房公积金贷款应该先过户的。使用公积金购买二手房流程及时间：
1、贷款申请当日完成；
2、银行进行贷款前的审查，审查通过后报市住房公积金管理复审，此项在2个工作日内完成；
3、市住房公积金管理咨询对贷款进行审核，这项是在1个工作日内完成；
4、审核通过后，贷款银行与借款人签订借款合同，2工作日内完成；
5、选取保证担保的，由担保公司办理反担保抵押手续，6个工作日内完成；选取抵押担保的，借款人应办理抵押保险手续，7个工作日内完成；选取质押担保的，由银行办理质押手续；
6、贷款银行将借款人资料报送住房公积金管理，2个工作日内完成；
7、市住房公积金管理对贷款材料进行审批，3个工作日内完成；
8、借款人到贷款银行办理划款手续，1个工作日内完成。

怎么撑 07-21 12:12

1.签定金合同收定金。
2.签买卖合同，收首付款（含定金）。
3.交易过户，收除尾款外所有房款（买方不贷款）。
4.物业过户，收尾款。注：如买方贷款，则交易以后等待银行房款。先交钱再过户，还是先过户再交钱都无所谓，假如客户过户后不给钱，可以取消交易。

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