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自己办公积金贷款流程是怎么样的？要注意什么？

自己办公积金贷款流程是怎么样的？要注意什么？

浏览：36次 | 提问时间： 07-27 08:28

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青春还在 07-27 08:29

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）

最后你的无情衬托我的多情 07-27 08:37

办理商业贷款之后，假如满足公积金贷款条件，是可以转为公积金贷款的。实际的流程你可以问一下当地的中行和公积金管理中心。

看你病要你命 07-27 08:45

题主好，住房公积金余额实际查询流程为：登陆网站后，先用个人公积金账号和身份证号码注册个人会员，然后点击进入“个人住房公积金信息查询”页面里进行查询，内容除了余额查询之外还有一些明细信息，如前几个月的公积金缴存情况等。另外市民可以拨打声讯电话95001100查询到住房公积金当前账户余额。实际查询流程为：用户播入95001100后，依照语音提示输入九位数个人住房公积金账号和六位数出生日期，用户身份验证为正确后，按1号键便可以查询住房公积金当前账户余额。值得关注的是，这个声讯电话除了查询余额外还可以查询住房公积金贷款还款情况、最近六次基本住房公积金明细、贷款资格等其他与公积金有关的业务。对自己的公积金账户有疑问的市民都可以通过该声讯使用电话查找。收取的费用为每分钟0.8元。当然还可以凭本人身份证的原件和复印件或社会保障卡的原件和复印件到市公积金管理中心事务受理办公室、各区县公积金运用中心网点进行查询。面对面交流，沟通也比较方便。以上信息整合自网络，请自行核实。

烟熏色一素锦流年 07-27 08:54

长春市住房公积金贷款利率：5年期以下（含）年利率是4%，5年期以上年利率是4.5%。公积金贷款和商业贷款相比，公积金贷款利息更低更划算。长春招行暂未开办公积金贷款，建议您可以联系其他银行咨询公积金贷款申请流程。

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