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广州住房公积金贷款装修要怎么办理？

广州住房公积金贷款装修要怎么办理？

浏览：35次 | 提问时间： 08-06 08:23

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防暑防晒防渣男 08-06 08:24

广州的住房公积金贷款上限是一个人的公积金就是50万，2个人的公积金就80万。所以你得先挑好房子，落实好房价才能落实好按揭贷款的。而且还要卖方提供他的个人*，包括：房产证，结婚证，*，户口本，如果房改房的话还要提供“房改房缴存明细表”；且还需要卖方协助签“存量房交易合同”，递交上去给“公积金中心”审批，审批下来之后就到银行审批。所以必须要先确定好房子，落实好房价才可以办理公积金贷款

我怪 08-06 08:32

办理办法：(1)申请贷款前六个月正常连续缴存本市住房公积金;(2)具有完全民事责任能力,具有本市城镇常住户口或蓝印户口(非农业);(3)具有稳定的经济收入和偿还贷款本息的能力;(4)借款人必须是大(装)修住房的产权人,与正规的装修公司签订工程实施合同;(5)借款申请人的配偶、同户直系血亲作为住房公积金共同借款人可以参与公积贷款额度计算。(6)抵押物为借款人实施个*(装)修的自住住房,并拥有个人完全产权。

梦醒时分 08-06 08:40

新政策贷款费用规定(未实施) 现行中：公积金贷款相关收费主要集中在评估费和担保服务费。据了解，这些中间费用一般占公积金贷款总额的3‰至4‰，最高可达8‰。改革后：取消申请公积金贷款过程中办理贷款保险、公证、评估等多项费用。个人住房贷款公积金贷款办理流程 1、借款人到贷款服务大厅银行窗口提交个人申请*，由银行进行受理、审查，审查通过后，提交中心审查。 2、中心进行审查和审批，同意贷款的，担保公司对其进行审查，办理担保手续，缴纳担保费。 3、借款人返回银行窗口签订借款合同，到公证窗口办理公证手续，缴纳公证费。 4、借款人离开贷款大厅，等待银行通知领取借款合同、放款凭证并按合同约定开始还款。希望能帮你

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