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近计划买房，请问2023杭州公积金办理流程是什么？

近计划买房，请问2023杭州公积金办理流程是什么？

浏览：33次 | 提问时间： 08-06 08:44

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心如西瓜天然甜 08-06 08:44

购房付完首付后，购房合同需要到公证处进行公证，完成后，银行内部进行贷款审批，审批通过后，通知购房者完成审批程序，可以每月按揭付款，然后可以凭公证后的购房合同，和银行及按揭合同去杭州市公积金中心，申请领取公积金，可以把公积金全部取出，金额以不超过购房全款为准，之后公积金可以系统自动在每月按揭款中抵扣每月的按揭款，也可以一年一取，经办时间大概在1个半月到两个月，以我办的时候是两个月，有朋友是近三个月，不一样的银行，不一样的时间，我是工行。

那些回不去的日子叫青春 08-06 08:53

2020杭州市公积金贷款材料，职工应按购买住房的不同类型,向委贷银行提出贷款申请,填报《杭州市住房公积金贷款申请表》,提供申请人及其配偶、房屋产权共有人的*、户口簿、婚姻证明、收入证明、家庭房产查档证明,以及相应购房证明材料。2020杭州市公积金贷款额度：首次申请公积金贷款购买一手房,贷款最高比例为房屋总价的80%,单方职工公积金月缴存额在800元(含单位补贴,下同)以下的为50%,单方职工公积金月缴存额在800元(含)以上的为80%。2020杭州市公积金贷款利率：2020年7月6日起,公积金贷款利率五年期以下(含五年)年利率为4.0%,五年期以上年利率为4.5%。特别提醒，贷款利率按照贷款发放当日*银行规定的住房公积金贷款利率执行。杭州住房公积金贷款正常还款方式:贷款期限在1年以内(含1年)的公积金贷款,还款方式为到期一次还本付息。贷款期限在1年以上的公积金贷款,借款人应按月偿还贷款本息,还款方式为等额本息和等额本金。

累了回头龙少女 08-06 09:01

提取条件　　一、住房消费类　　1、购买、建造、翻建、大修自住住房；2、偿还产权自有的住房贷款本息；3、租赁住房自住　　二、非住房消费类　　1、离休、退休（退职）；2、完全或部分丧失劳动能力，且与单位终止劳动关系；3、本市户口职工与所在单位终止劳动关系后，未重新就业满5年或者*年满50周岁、*年满45周岁；4、非本市户口职工与所在单位终止劳动关系后未在本市重新就业；5、享受城镇最低生活保障；6、出国、出境定居；7、职工*亡或被宣告*亡。符合上述条件方可提取，且不同情况提取手续不同。

扎我心 08-06 09:10

2020杭州公积金办理流程 1、初审：　　由住房资金管理中心对申请人提交的材料进行初步审查，包括申请人资格、贷款额度、贷款期限，初审合格以后，由中心出具《抵押物审核评估通知单》。　　2、评估：　　申请人持《抵押物审核评估通知单》到中心指定的评估机构，对所购买的房屋价值进行评估。经济适用房不需要评估。　　3、审核：　　申请人持评估机构出具的《评估报告》以及中心要求的初审材料到中心进行贷款审核。如果合格，中心开具《住房资金管理中心担保委托贷款调查通知单》。　　4、办理担保手续：　　申请人持《住房资金管理中心担保委托贷款调查通知单》，按照自己选择的担保方式办理担保手续。如果选择抵押＋保证的方式，保证人应该出具书面的担保函；如果选择抵押＋保险或第三人保证的方式，应该到保险公司投保或到担保机构办理委托担保手续。　　5、签订借款合同。　　6、住房资金管理中心与受托行签订委托贷款协议。　　7、借款人直接向住房资金管理中心提出贷款申请，受托行业可根据需要，代为收集借款人申请*，统一交住房资金管理中心审核、审批。　　8、住房资金管理中心对每笔贷款金额、期限、利率审批同意后，与受托行签订委托贷款合同。　　9、受托行按照委托贷款合同约定，与借款人分别签订《住房公积金委托贷款抵押合同》、《住房公积金委托贷款质押合同》和《住房公积金委托贷款保证合同》后，办理借款手续。　　10、受托行将贷款直接划入售房方在受托行开立的指定账户。

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