array(3) { ["data"] => array(20) { [0] => array(11) { ["tagname"] => string(18) "流程是怎样的" ["inlink"] => int(0) ["addtime"] => string(10) "1599709911" ["tagid"] => int(1323262) ["id"] => string(7) "1323262" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503955979403272) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1323262" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1323262" } [1] => array(11) { ["tagname"] => string(24) "申请流程是怎样的" ["inlink"] => int(0) ["addtime"] => string(10) "1600480630" ["tagid"] => int(1380113) ["id"] => string(7) "1380113" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503957884665885) ["pageurl"] => string(36) "//www.sheji456.com/ask/tlist/1380113" ["m_pageurl"] => string(34) "//m.sheji456.com/ask/tlist/1380113" } [2] => array(11) { ["tagname"] => string(21) "其流程是怎样的" ["inlink"] => int(0) ["addtime"] => string(10) "1600831090" ["tagid"] 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阜新市住房公积金贷款流程是怎样的？

阜新市住房公积金贷款流程是怎样的？

浏览：72次 | 提问时间： 06-29 09:59

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情歌﹡ 06-29 10:00

住房公积金贷款办理流程

　　1、贷款人申请住房公积金贷款需到银行提出书面申请，填写住房公积金贷款申请表并如实提供下列资料：

　　(一)申请人及配偶住房公积金缴存证明;

　　(二)申请人及配偶身份证明(指居民身份证、常住户口簿和其他有效居留证件)，婚姻状况证明文件;

　　(三)家庭稳定经济收入证明及其它对还款能力有影响的债权债务证明;

　　(四)购买住房的合同、协议等有效证明文件;

　　(五)用于担保的抵押物、质物清单、权属证明以及有处置权人同意抵押、质押的证明，有关部门出具的抵押物估价证明;

　　(六)公积金核心要求提供的其他资料。

　　2、对资料齐全的借款申请，银行及时受理审查，并及时报送公积金核心。

　　3、公积金核心负责审批贷款，并及时将审批结果通知银行。

　　4、银行按公积金核心审批的结果通知申请人办理贷款手续，由借款人夫妻双方与银行签订借款合同及相关的合同或协议，并将借款合同等手续送公积金核心复核，公积金核心核准后即划拨委贷基金，由受托银行按借款合同的约定按时足额发放贷款。

　　5、以住房抵押方式担保的，借款人要到房屋坐落地区的房屋产权管理部门办理房产抵押登记手续，抵押合同或协议由夫妻双方签字，以有价证券质押的，借款人将有价证券交管理部或盟核心收押保管。

　　住房公积金贷款的类别

　　住房公积金贷款分为新房贷款、二手房贷款、自建住房贷款，住房装修贷款、商业性住房贷款转公积金贷款等。

　　住房公积金贷款条件

　　申请住房公积金购房贷款基本条件主要包括三个方面：贷款对象、贷款用途、住房贷款基本条件。

　　住房公积金贷款对象

　　1、具有有效的身份证明。

　　2、只有参加住房公积金制度的职工才有资格申请住房公积金贷款，没有参加住房公积金制度的职工就不能申请住房公积金贷款。

　　3、配偶一方申请了住房公积金贷款，在其未还清贷款本息之前，配偶双方均不能再获得住房公积金贷款。因为，住房公积金贷款是满足职工家庭住房基本需求时提供的金融支持，是一种"住房保障型"的金融支持。

　　住房公积金贷款申请人应当有相当于购买住房价格的 20%或以上的自筹资金(各地规定各不相同);住房公积金贷款申请人应同意办理贷款担保，等等。这些都是降低住房公积金贷款风险所需要的。

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阜新市住房公积金贷款流程是怎样的？

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