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二手房申请公积金贷款流程谁清楚？

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二手房申请公积金贷款流程谁清楚？

浏览：39次 | 提问时间： 08-06 05:54

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2个答案

messy遗置角落的念 08-06 05:55

一，二手房交易和过户详细流程。1   ，   *双方在已经选择好的中介公司那里进行相关的手续登记，并交纳定金，合同办理是   前提基础。2   ，   手续办理完毕后，中介公司开始为买家到相关银行办理贷款手续。贷款申请时间比较严   格，时间多数为半个月，当然每个地区不一样。最后待银行审批后，获得同意发放后，   开始办理过户手续。3   ，   按产权转移登记要求，到产权登记中心那里，*双方需准备规定的*以备过户。4   ，   中介公司的人带着*双方及相关*，到地税局办理核税缴税手续，地税局出具税务   收据5   ，   然后又回到交易中心，进行递交契税、营业税收据和双方所有过户所需的*，填写   《房屋所有权转移登记申请书》，领取受理通知单，同时补齐房屋印花税。6   ，   满20个工作日后（每个地区时间可能不太一样），有专门的人会通知，前往交易中心领   取房产证。这个时候，银行那边也会下达通知，买方准备开始供房了。二，住房公积金贷款流程。1、贷款申请：借款人持规定*向管理中心提出贷款申请。　2、贷款受理：管理中心审查贷款*并与申请人实行面谈，受理借款人贷款申请后的5个工作日内做出准予或不准予贷款的决定。　3、签订合同：借款人及配偶到受托银行签订借款担保合同。　4、贷款发放：借款合同生效后受托银行将贷款金额转入售房单位的银行存款账户（期房）或借款人的银行存款账户（二手房、现房、拆迁安置房、自建房）。需要提供的证明材料1、借款人及配偶、房屋产权共有人户口簿原件及复印件二份。2、借款人及配偶、房屋产权共有人*原件及复印件三份。3、借款人、房屋产权共有人已婚的提供结婚证原件及复印件三份。借款人、房屋产权共有人未婚的提供未婚证明原件及复印件二份。借款人离婚的提供离婚证、离婚协议原件及复印件三份，未再婚证明原件及复印件二份；借款人丧偶的提供未再婚证明原件及复印件二份。4、XX市住房公积金贷款借款人收入证明一式两份。5、2002年1月之后，夫*一方或双方，在或曾在某某市各县（市）缴存住房公积金的，需提供县（市）住房公积金管理分中心出具的《某某市住房公积金跨县贷款证明》原件及复印件一份。6、借款人在贷款银行的存折或*复印件二份。

Feastaw离愁 08-06 06:03

你好，据我所知二手房住房公积金贷款申请步骤：   1..房子评估   2-你带户本，婚证，*原复件到房产交易中心个人住房情况证明   3-*双方带*户口本结婚证买方收入证明到公积金中心开征信证明   并带首付款在该中心委托银行做资金托管   4-等审批   5-批后签贷款合同，然后带银行的材料到交易中心做变更手续6-10个工作日后交税   7-完税材料交公积金中心，   8-放款后，你可用完税证明，产权证去公积金中心取自己帐户里的余款希望我的回答可以帮到你！

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