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公积金贷款需要交哪些费用

公积金贷款需要交哪些费用

浏览：26次 | 提问时间： 08-06 11:33

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瘋瘋癲癲 08-06 11:34

办理住房公积金贷款不需要缴纳担保费：　　根据住建部、财政部、中国*银行于2014年10月10日联合下发《关于发展住房公积金个人住房贷款业务的通知》（以下简称《通知》）　　《通知》明确，取消公积金个人住房贷款保险、公证、新房评估和强制性机构担保等收费项目。　　贷款材料1、合法的*明;2、住房公积金缴存证明;3、借款人婚姻证明;4、家庭经济收入状况证明;5、购买、建造、翻建、大修自住住房不低于30%的首期付款证明或自筹资金证明;6、购买住房合同及相关*，建造、翻建、大修自住住房合同或协议及相关*;7、他需提供的相关*。

smle 08-06 11:43

办理个人住房公积金贷款所缴纳的费用主要包括评估费用、担保费，贷款服务费及相关税费。如果是通过中介公司办理的，需要向中介公司缴纳一定的中介费用。　　住房公积金管理中心为个人办理住房公积金贷款手续，不收取任何费用。借款人所需缴纳的贷款费用主要是在办理房产抵押登记时，房产部门及评估机构按规定收取的工本费和相关管理费用；另外，如个人不能提供合规的担保而需借助担保公司进行担保的，须向担保公司交纳一定比例的担保费用。　　如果办理贷款的住房为商品房、二手房个人需要缴纳两部分费用：　　1.担保中心收取的个人住房贷款担保费用，担保中心收取担保费的多少与贷款年限和贷款金额有关，年限长，每万元缴纳的担保费用相对多。由评估公司收取的所购房屋的房屋评估费。评估费和担保费比较高，要几千块钱。　　如果办理贷款的住房为经济适用房、房改房或者是集资建房，所需的费用只有担保中心收取的住房公积金贷款担保费。具体计算为：　　1、保险费

变身超人 08-06 11:51

贷款金额(公积金贷款额+银行贷款额)×0.6‰×趸交保费系数　　2、抵押登记费和印花税：若贷款金额（公积金贷款额+银行贷款额）低于50万元，此项费用为235元，若超过50万元；此项费用为385元。　　3、公证费

一城一心一旧人 08-06 11:59

贷款金额(公积金贷款额+银行贷款额)×1‰（最低200元）。以上价格来源于网络实际价格以购买为准

终生陪伴 08-06 12:07

Lonely孤寂 08-06 12:16

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