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装修住房公积金贷款政策是怎样的?

浏览:49次 | 提问时间: 08-10 09:01
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3个答案
放手或泪流 08-10 09:02

公积金装修贷款是使用公积金贷款申请条件:(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。

石头剪刀布谁输了谁跳楼 08-10 09:10

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。第一步:申请   1、购买商品房、经济适用房的,在与售房单位签订购房合同的同时,在售房单位领取《住房公积金装修贷款申请审批表》按表填写并准备相关材料,确定贷款金额;   2、建造、大修自住房的,凭土地、规划管理部门的批准文件,到住房公积金管理中心办理贷款申请;   3、购买具有完全产权的私有住房(即二手房)的,到长房置换担保有限公司办理申请。   第二步:审核   售房单位或担保公司将借款人*连同购房合同、首付款收据等材料报市住房公积金管理中心审批。   第三步:签订贷款合同   住房公积金管理中心审批同意后,通知借款人与银行签订借款合同。并办理合同公证、抵押物保险等相关手续。   第四步:担保1、购买与中心签订《住房公积金贷款合作协议》的开发商所建的商品房、经济适用房的,在房屋未正式办理抵押手续前由开发商为借款人承担阶段性连带责任保证;   2、购买有产权证、土地证的二手住房的,直接到市房地产交易中心抵押科办理抵押登记,带相关手续到产权登记发证中心办理房屋他项权证;   3、购买有产权证、无土地证的二手住房的,需由担保公司承担保证责任。   第五步:银行放款   借款人以上所有手续办理完毕后,由中心向委托银行发出《准予放款决定书》,通知银行放款。   第六步:还款   借款人按借款合同中月还款额的约定,按月向银行还款。

卟活不成佛 08-10 09:18

1、贷款人须有本市城镇常住户口或有效居留身份;2、自申请之日向前推,连续足额缴存住房公积金12个月以上(夫*都缴存公积金的只允许一人贷款);3、有符合法律规定的购房、建房、大修自住住房的合同(协议)及有关材料;4、具有一定比例的自筹资金。购买商品房、经济适用住房的,自筹资金不低于总房价的20%(购买二手房或建房、大修住房的,自筹资金不低于总房价的30%);5、具有稳定的经济收入,有偿还贷款本息的能力(由所在单位出具月收入证明);6、同意用所购住房或具有完全产权的自有住房或第三人住房做抵押,或用贷款银行认可的有价证券、银行定期存单进行质押,或由贷款银行认可的法人、组织或第三人提供保证。7.由于地域发展的不平衡性,住房公积金贷款在政策上有一定的差异性,但是总体来说都是大同小异,都具有利率较低,还款方式灵活,首付比例低的优点,但是也存在手续繁琐,审批时间长等缺点。在贷款额度上,不同地区额度高低不同,成都最高位40万元,广州为50万,北京为80万,并且住房公积金贷款总额不能超过房款总额的70%。

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