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福州装修公积金贷款怎么办理

福州装修公积金贷款怎么办理

浏览：37次 | 提问时间： 09-01 11:37

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爱你是我做过的最好的事 09-01 11:38

一、借款人申请借款申请人到银行分行各支行(以下简称贷款银行)分理处、营业部领取并填写《中国建设银行个人住房装修贷款申请表》,并向贷款银行认可的律师事务所或公证处提供如下资料:(一)有效身份证件的原件和复印件;(二)有贷款银行认可部门出具的借款人收入证明;(三)有抵押或质押财产权利凭证清单、权属证明及有权处分人(包括财产共有人)同意抵押或质押的证明,由第三方提供保证的,应出具保证人同意提供担保的书。

扶不起的阿斗 09-01 11:54

(1)具有城镇常住户口(2)申请贷款前六个月应连续正常缴存住房公积金(3)具有较稳定的经济收入和偿还贷款的能力(4)没有公积金个贷债务及其他尚未还清的数额较大、可能影响贷款偿还能力的债务(5)申请公积金个人购房贷款的借款人,须购买本市城镇具有所有权的自住住房,且购房首期付款的金额不低于规定比例(现为一手房20%,二手房30%);申请公积金个人建造、翻建、大修贷款的借款人,须对其具有所有权的。

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