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辽宁公积金贷款买房流程谁知道？

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辽宁公积金贷款买房流程谁知道？

浏览：37次 | 提问时间： 06-26 09:39

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3个答案

安静离开 06-26 09:40

1.到当地住房公积金管理中心提出借款申请。借款人持购建房屋合同或协议(购买商售房许可证复印件；建房、修房的须持政府土地规划管理部门的批准文件)、身份证、住房公积金储蓄磁卡、印章到公积金管理中心申请住房公积金贷款，使用夫妻双方住房公积金贷款的，还须携带结婚证或其他夫妻关系证明，填写《个人住房公积金贷款贷款申请书》。贷款银行根据借款人的申请考核借款人是否符合贷款条件，计算贷款额度，确定贷款期限。 2.签订借款合同。当地公积金管理中心(或委托银行)审核批准借款人的申请后，借款人与公积金管理中心签订借款合同和抵押合同(用房地产抵押的签订抵押合同，个人担保的需要享受公积金的个人担保)。 3.办理住房抵押的要去办理房产抵押公证。届时，需要带好房产证(及土地证)、身份证、结婚证、户口簿和复印件一式5份，办理公证和房屋他项权证有关手续。 4.借款人用房产抵押的办理完抵押手续后，连同借款合同、抵押合同(质押合同)、房屋他项权证或抵押权证明书等借款资料交公积金管理中心。届时，公积金管理中心将委托建设银行房信部门按时把款打入您的个人账户

眼红馆 06-26 09:48

1、申请：申请人及共同申请人持贷款要件到缴存住房公积金的中心各区管理部(以下简称管理部)个人贷款受理窗口填写公积金贷款申请审批表。2、审核：受理人员按贷款政策进行个人信用(含配偶)及材料审核，录入表中信息、复核合格后，系统输出合同文本、贷款借据及委托扣款协议等文本。3、签字：申请人及共同申请人在办理银行还款卡(折)后在上述文本签字确认。4、办理担保及抵押：申请人及共同申请人到担保公司窗口办理担保与房产抵押登记。5、放款：待担保与房产抵押登记办理完毕后，管理部复核贷款材料后委托银行将贷款划入已与中心签订保证协议的开发企业账户，借款人凭身份证原件到委托银行领取相应回执。6、还款：借款人每月按合同约定的时限内偿还当月应还贷款本息，直至贷款全部还清。还款期内可修改一次还款方式。

眼红馆 06-26 09:56

1.提取人持相关要件、本人身份证件、省直公积金龙卡，到省直中心一楼综合服务大厅建行专柜排序办理账户已封存，未办理公积金龙卡或公积金龙卡已挂失的职工，需携带原单位出具的《省直住房公积金提取申请书》，及本人名下的建行卡。2.经审核准予提取的，在本行储蓄专柜办理转账存款手续3.提取人(或代办人)将《省直住房公积金提取凭证》(第三联)回单交单位记账

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