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宁波办理住房公积金贷款流程是怎样的？

宁波办理住房公积金贷款流程是怎样的？

浏览：44次 | 提问时间： 06-29 09:59

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我姓刘我心琉 06-29 10:00

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)公积金中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，并及时报送公积金中心。　　
　　3、公积金中心负责审批贷款，并及时将审批结果通知银行。　　
　　4、银行按公积金中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中心复核，公积金中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中心收押保管。

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宁波办理住房公积金贷款流程是怎样的？

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