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购买二手房办理公积金贷款流程是什么?_其他_设计456问答
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购买二手房办理公积金贷款流程是什么?

浏览:28次 | 提问时间: 08-06 09:27
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2个答案
烟花巷陌谁的奢望带着伤 08-06 09:28

1、贷款条件(1)申请人连续正常缴存住房公积金半年以上。(2)申请公积金贷款年限:男不超过60岁,女不超过55岁,最长30年。(3)月供不能超过家庭总收入的50%。(4)所购房屋建筑年份不能超过20年。2、办理流程(1)*双方带*原件、买方带夫*双方收入证明加盖单位公章(按公积金中心要求格式一式三份)、卖方带房产证原件、户口本、结婚证原件(复印件3份),到省直住房资金管理中心提出贷款申请,中心预审通过后,*双方签《住房公积金贷款转账协议》。(2)*双方持《办理贷款担保通知书》到中心一楼担保公司受理,验房产证、约评估。(3)出评估后,*双方带齐本须知第三项需备*及配偶到房地产大厦(建设路百花路交叉口)二楼评估公司领取评估*、四楼担保公司办理贷款担保及过户手续。(4)市公积金大厦3楼18号窗口签订《抵押合同》。(5)工作人员将相关*转省直住房资金管理中心,受托银行通知借款人到中心1楼签订《住房公积金借款合同》。(6)工作人员将借款合同转担保公司,担保公司向省直住房资金管理中心出具担保函通知放款。(7)公积金放款后,通知*双方及配偶持*、户口本到省直住房资金管理中心1楼担保公司领取贷款。(8)房屋所有权证抵押后,通知买方持*、户口本到省直住房资金管理中心1楼担保公司领取房屋所有权证。3、*双方需提供*卖方:   房屋所有权证复印件4份;房屋所有权人及配偶*、户口本、结婚证,复印件各3份;离婚人员需带离婚证(法院民事调解书或判决书,附带法院送达回证或法院判决生效证明)复印件3份;并提供民政部门出具的未再婚证明,原件1份,复印件2份;未婚者提供民政部门出具的未婚证明,原件1份,复印件2份;。买方:(1)夫*双方收入证明各3份加盖单位公章,写明经办人姓名及其联系电话。(注:收入证明的格式必须使用资金中心指定的格式!!)(2)申请人*复印件4份,配偶3份,如有共有人,共有人*复印件需3份。新*需正反面复印在一张纸上。(3)夫*双方户口本(首页+户主页+本人页)复印件各3份;若共有人未满18岁需提供4套户口本复印件(首页+户主页+本人页);若共有人满18岁,提供*与申请人相同,处于就学状态须提供*证复印件3份。(4)申请人于配偶公积金缴存明细各3份;若配偶不在省直缴交公积金,须提供当地公积金中心公积金缴存明细   3份;和当地公积金中心出具未在当地公积金贷款证明原件1份(A4纸另开)。复印件2份。若配偶单位未缴交公积金须提供未缴公积金证明(须说明未缴原因)3份加盖单位公章。(5)结婚证复印件3份;离婚人员需带离婚证(法院民事调解书或判决书,附带法院送达回证或法院判决生效证明)复印件3份;并提供民政部门出具的未再婚证明,原件1份,复印件2份;未婚者提供民政部门出具的未婚证明,原件1份,复印件2份;(6)公积金龙卡正反复印在一面纸上3份。(7)办理贷款担保通知书1份。4、收费标准(1)*费:   不收(2)担保费:贷款额×贷款年限×担保费率   且不低于300元贷款1~5年费率千分之1贷款6~10年费率千分之0.8贷款11~20年费率千分之0.6贷款21~30年费率千分之0.45(3)抵押费:贷款额×0.8‰+60   元   (代收)(4)评估费:评估值×4‰   (评估公司收取)5、评估后确定贷款额建筑年份10年内交易价的70%、评估价的60%,以低者为准。建筑年份10年上交易价的60%、评估价的50%、以低者为准。贷款额不超过省直住房资金管理中心确定的金额上限。*双方带以上*到建设路百花路口房地产大厦4楼郑州正信住房置业担保有限责任公司办理担保业务同时带上以下原件(*、结婚证、户口本、公积金龙卡、房屋所有权证)

埃菲尔铁塔的爱恋 08-06 09:36

第一步贷款咨询向贷款银行咨询,领取《二手房个人住房公积金贷款*夹》:由房屋*双方及配偶(单身出具民政局婚姻状况证明),持卖方名下的《房屋所有权证》、《国有土地使用权证》、户口簿、*、结婚证原件及复印件、《房屋估价报告书》、卖方开户存折到贷款银行进行预审登记,领取《二手房个人住房公积金贷款*夹》。第二步提交申请(1)《二手房个人住房公积金贷款*夹》;(2)所购房屋估价报告书;(3)*双方签订的《存量房购房合同》;(4)原卖方名下的《房屋所有权证》、《国有土地使用权证》(原件及复印件);(5)卖方开户存折;(6)*双方夫*的*、户口簿、结婚证(原件及复印件),单身职工提供民政局婚姻状况证明。第三步签订合同贷款银行受理借款申请人*,由银行报公积金中心审批后,借款人与贷款银行签订借款合同及抵押合同等相关贷款文件。第四步交易过户房屋*双方到房产局及土地局办理房屋“两证”交易过户手续。第五步办理抵押由贷款银行或借款人到房产局办理房屋抵押登记手续,并领取《房屋他项权证》。第六步贷款发放由公积金中心将贷款资金通过贷款银行直接划转到卖房方的存款账户内。第七步按月还款贷款发放后次月,借款人按《借款合同》约定每月20日前按时偿还贷款本息,直至贷款全部还清。借款人最后一次还清剩余贷款时,应亲自前往贷款银行并在银行柜面办理还贷结清手续。   第八步注销抵押

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