推荐回答(4个)
在办理二手房公积金贷款的时候通常情况下是先办理过户手续,然后再办理公积金贷款的。本身公积金贷款是属于抵押贷款的,在没有办理过户手续之前,房子是无法进行抵押的。一般情况下是先将贷款额度以外的资金付给卖家,然后办理过户手续,剩余的贷款资金就会在审批通过之后发放的。
二手房办理公积金贷款主要有两种途径,一是由本人直接前往公积金管理中心进行申请,需要准备好公积金缴存证明、收入证明、贷款申请表、买卖双方签订的《存量房购房合同》、所购房屋评估报告书等资料;另一种则是直接委托中介机构进行办理,这样是比较省事的。
首先 正确的公积金贷款流程是 买卖双方先到公积金管理中心 递交材料 由公积金管理中心审核贷款人 公积金缴存条件 房产条件 贷款年限 贷款额度 审核通过后才到房产交易部门进行房产更名 更名后签署借款合同 抵押合同 然后办理抵押房产手续 最后房款 应该说现在公积金贷款与按揭贷款的办理速度还是差不多的 有些地方可能公积金贷款还要快于按揭贷款 因为有的地方的公积金管理中心可以更完名后就可以先放款 然后再办理抵押手续
其次 如果进行了商贷 就不可以再转成公积金贷款了 其实如果非要办 当然也有办法 就是先还剩余贷款 撤抵押 然后重新办 但那样就得不偿失了
公积金一般是先过户,领取房产证后再办理贷款,持续时间很长。
要赶上年底的房补政策,就要做商贷或者一次付款。
建行目前做的房易安是见受理单放款,时间有5天就可以了。
先更名,再公积金贷款.
应该不可以将商贷转成公积金贷款吧
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