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自办公积金贷款的流程是什么样的？申请需要什么条件

自办公积金贷款的流程是什么样的？申请需要什么条件

浏览：38次 | 提问时间： 07-22 02:38

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4个答案

USB 07-22 02:39

一、银行按揭贷款工作流程。
二、省直公积金贷款工作流程。
三、市公积金贷款工作流程。主要是这几个，里面细分的话太多了，很繁琐，需要熟练专业的指导

我的真心比不上她的娇喘 07-22 02:47

二手房交易贷款无论是否通过中介交易都需要找担保公司，否则银行无法放款。通常情况下商贷的担保费是贷款金额的1%，公积金贷款的担保费是贷款金额的2%。由于二手房交易中，当房产过户后，买家把房产抵押给银行前，有一个时间间隙，假如有阶段性担保，银行就可以放款。由于卖家已经把房产过户，他肯定期望早点拿到钱，若不做担保，则应该等买家把房产抵押后，方可以完成流程、放款。选取自办可以规避依照《住房公积金管理条例》等，申请公贷应该办理担保手续。这也成了不少中介蒙人的依据。实际上，这个担保，只是办理公贷阶段性的需要，在买家将房产抵押给银行后，就不再需要。对于购房者来说，选取自办就可以规避这笔费用。虽然整个流程需要自己出力，但自办可通过提供国债、银行存款等方式担保，不必一定委托中介办理。这样一来，二手房担保费可以不须交，既合规，又省钱。

我是你的城堡 07-22 02:55

成都商贷转公积金贷款流程：
1、把银行欠未还清；
2、注销抵押登记；
3、退房，即《买卖合同》撤销备案；
4、买房，签定《买卖合同》；
5、办理公积金贷款，完成。其实就是还清贷款，退房，再买房。关注的问题：
1、截止今日，你只还了8期月供，银行是否同意你提前还款；
2、开发商是否同意你办理退房再买房，这里的风险还是有的，由于国家的政策是不允许这么办的，另外房地产管理部门也得同意你这么办才行。
3、最关键的是，这些流程大部份是开发商亲自办理，开发商的意见是关键。
4、退房再购房的风险是很大的，任何一个环节都有可能出问题，由于没有法律保障。
5、无论两证是否已办好，都无法用公积金贷款替代部分商业贷款，由于你是向银行借款，并已办理抵押登记。
6、住房公积金直接还款的流程，各地规定不一，我不在武汉，没办帮你，你最好直接去公积金管理中心咨询。

愿时光垂怜 07-22 03:04

假如结婚了，需要一方是本地户口才可以异地使用。不过公积金贷款流程麻烦。

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