(资料图片仅供参考)
公积金贷款买房子的流程包括以下几个步骤：初审、评估、审核、办理担保手续、提取公积金、办理公积金过户手续。通常情况下，必须满足的条件，例如，是企业事业单位的正式员工，在贷款前必须连续缴纳住房公积金一年以上，自筹资金不低于住房总价的30%等。准备材料包括结婚证、身份证、购房合同、开发商证书等。
申请人需要从房地产开发商那里选择一套房子，并支付首付款，然后向所在城市的公积金管理中心申请贷款。经过审查、评估、批准等步骤，最终签订贷款合同，办理按揭等相关手续。
公积金账户能存款吗？
通常情况下，公积金账户不是个人存款，职工个人无法储蓄公积金，公积金是要求企业和职工共同缴纳的，公积金直接缴纳到个人公积金结余中，然后用户可以根据公积金账户结余申请住房贷款。个人对公积金的缴款直接从工资中扣除。但是，个人并不一定不允许存入公积金，有些地区是适用于个人存入公积金的。
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