公积金贷款/商贷及全款买房 房产证办理流程

说说公积金贷款/商贷及全款买房 房产证办理流程吧,房事可是大事,大体发以下几个步骤

一、地产商具备办理产权手续的相关条件。

即大产权,只有地产具有大产权,业主才能才办理小产权。关于地产大产权办理条件,以后有机会再聊,今天主要是说说小产权的办理。

二、从地产那里领取《房屋兑现单》

(一)在售楼处/服务部领取《内控流程表》

领取《内控流程表》需要几个材料,1、《购房合同》原件,有下房车位的,还需要下房和车位的《协议》;2、购房“发票”,下房和车位提供“收据”;3、公共维修基金“收据”;4、配套费“收据”,有的地方叫“预收款”或“水电预存”;5、有借款的提供《借款合同》,借款已还清的提供银行的《结清证明》原件。

(二)签批《内控内程表》

签批至物业财务,这里当然是逼你交所有欠缴的物业费,签批至地产财务,这里是核实“收据”与“发票”是否与备案一致。

(三)领取《房屋兑现单》

将《内控流程表》交至售楼处/服务部,一般五个工作日后可领取《房屋兑现单》

三、房产局缴税(2018/4/2更新)

(一)查证

先去自动查询机上查询一下家里所有人的房产信息,是所有人啊,有身份证的刷身份证直接出来,没有身份证的小孩,自已录身份证信息查询,这个机器特别操蛋,不太好用,特别是手录操作,简直烂到极点,大家自己体会吧。把查证结果打印出来,家里三口人就打印三张,有几口打印几张。

(二)初审领号

在初审领号那里去排队,排队时需要以下证件齐全,包括以下材料:

1、《购房合同》原件,复印件1、2、3、4、5、6、9、10页;

2、合额购房款“发票”原件,复印件;

3、夫妻双方“身份证”原件、复印件;

4、“户口本”和“结婚证”原件、复印件(完整的);夫妻双方户口本没在一起的、提供双方“户口本”及“结婚证”原件、复印件;离婚的需提供本人“户口本”、“离婚证”和《离婚协议》(带民政局红章)原件、复印件;

5、《房屋兑现单》原件、复印件;

6、公共维修基金“收据”原件(这个没有要);

7、有按揭贷款的提供《借款合同》原件(这个也没有要);

虽然(六)和(七)没有要求复印件,也没有明确要求要,但最好还是复印一份吧,初审后业务人员会给你一个排号,然后等着叫号就好了。

(三)交税

叫到号后拿着初审业务员给你整理好的材料,交收税业务员,她会出具一张确认表并留下联系方式,你确认后会让你交钱,税率大家情况不同不一样,我是首套94平,税率1.5%,乘以你的总房款就是税金额了。交完税后会给你两联完税发票,注意是两联,收走所有复印件,到此完税结束。

四、办理退税

之前贷款买房的地候,业主可能已经交过一次税了,在2016年,可凭完税凭证和当年交税的收据(公积金章)去办理退税,到了现在,即2018年,可以直接凭当年交税的收据(公积金章)去办理退税,也就是说,你上面所有的事情都没做,直接凭一个收据就可以去退税了,这个目前已与办房本无关了,可以直接退。

五、办理房本

办理房本最后一步分三种:

(一)商贷业主

携带《购房合同》原件;房屋增量表;商品房补充协议、下房协议、车位协议;业主身份证复印件;《借款合同》原件、完税凭证第三联、以上六样东西交回地产客服部,有些业主没有下房和增量,就不需要了,由地产客服部统一交银行,等待银行通知办理房本,一般需要3-6个月完成;这里地产会要一部分费用,其中银行代办费200、公证费200、房本80,合计480。

(二)公积金贷款业主

携带《购房合同》原件;房屋增量表;商品房补充协议、下房协议、车位协议;业主身份证复印件;《借款合同》原件、完税凭证第三联、以上六样东西交回地产客服部,有些业主没有下房和增量,就不需要了,由地产客服部统一交公积金管理中心,中心通知办理房本,据说需要1-2年才能完成;这里地产会要一部分费用房本工本费80,其他没有了。

这里要注意的是,贷款业主交的可都是原件,而且下本时间很长,要考虑到这段期间有没有取公积金的问题,还有落户等问题,我就遇到了取公积金这个问题。这里地产会跟大家签一个交接表,这东西很重要,没有交接表怎么行?大家不要忘了。

(三)全款业主

携带《购房合同》、完税凭证第三联、身份证这三样材料的复印件去房产局自行办理;

房产局与地产位置当地自寻查询。


五、其他事项:

  • 业务办理时间:周一至周六上午9:00-11:00,下午14:00-17:00

原创文章,转载请注明: 转载自飞月秀

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    1. 需要,现在房子都是按户来的,结婚证代表一户,就算不在一个户口本也代表一户,房产局要这些信息主要是查是否有多套房。

  201. 关于秦皇岛公积金的最新消息:
    一、提高住房公积金贷款首付比例。无房且无住房公积金贷款记录的缴存职工家庭,使用住房公积金贷款购买首套普通自住房的,最低首付比例提高至30%;购买第二套住房最低首付款比例提高至60%;停止发放购买第三套及以上住房公积金贷款。
    二、暂停办理商转公(以贷还贷)业务。
    三、暂停受理不在秦皇岛缴存住房公积金、在秦皇岛购房申请使用住房公积金贷款业务。
    四、对隐瞒事实,骗取住房公积金贷款的行为,一经发现,要收回贷款,并按照《河北省住房公积金失信行为惩戒管理办法》严肃处理。
    自2017年5月16日起实施
    通知地址:http://www.qhdgjj.com/new_xxgk.asp?dh=3&typ=82

  202. 盛达鑫苑,公积金贷款的,公积金中心还必须要地产出具的绿色的那个房屋兑现单,但是地产不给,地产还要求把办房本那些材料放地产,等2年,不知道这个是否属实?怎么处理?

    1. 这个与我碰到的不相符,至于公积金要不要兑现单,理论上是不需要的,我需要与公积金管理中心的人员再沟通一下。

  203. 我自己根据房本办理流程整理的,已办到最后一步,就等下通知了,希望对大家有所帮助。

  204. 我已按上面的流程办理完成了,谢谢博主,对了,我是全款买的房。

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