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请问下如何用住房公积金贷款装修

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请问下如何用住房公积金贷款装修

浏览：50次 | 提问时间： 08-06 11:30

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1个答案

下予 08-06 11:31

公积金装修贷款是使用公积金贷款用于房屋装修，享用公积金贷款利率的一种贷款产品，申请条件：
(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。

住房公积金装修贷款的流程是：   
1、申请人携*到公积金管理中心咨询、申请、填写申请表；   
2、公积金管理中心审批后向申请人发放委托通知书；   
3、申请人领取通知书后携带所有原件到当地的银行签订合同等、同时在公证处办理公证手续；   
4、申请人持签定好的合同*等到房屋出卖人处盖章；   
5、申请人持保证后的借款合同（抵押合同）等到当地宿迁市房地产管理处办理抵押登记；   
6、申请人持登记后的借款合同（抵押合同）和公*到当地的住房公积金服务大厅领取划款通知书，最后持划款通知书到银行办理划款手续。
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