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组合贷款申请流程是怎样的？如何办理组合贷款？

组合贷款申请流程是怎样的？如何办理组合贷款？

浏览：50次 | 提问时间： 06-30 04:52

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不分你我慢热怪友 06-30 04:52

您好，简单说就是公积金贷款+商业贷款，二者共同贷款满足购房需求。组合贷款从严规则，同公积金及商业贷款的认定标准，即认房又认贷，以公积金贷款和商业贷款二者严格的标准执行。组合贷款总时效比较长，一般6个月左右业主收到尾款(具体时效以实际操作为准)。★组合贷款的分类及流程?市属/中直公积金组合贷款1) 资质审核→签署合同→网签→公积金面签、初审→银行面签→评估→公积金审核、批贷→银行审核、批贷→缴税、过户→签署借款合同→抵押登记→放款2) 资质审核→签署合同→评估→网签→面签(公积金面签+银行面签)→报卷→国管公积金审核、批贷→银行审核、批贷→缴税、过户→银行抵押登记→签借款合同→放款?国管公积金组合贷款★组合贷的贷款成数? 首套：贷款7成(面积无论是90平米以下还是90平米以上都是7成)；? 二套：名下有一套未结清住房：贷款5成★组合贷款的贷款额度? 公积金部分：1) 单身:(个人缴存额÷缴存比例-1204)÷对应年限的月均还款额；2) 已婚:(个人缴存额÷缴存比例-1204×2)÷对应年限的月均还款额；? 商贷部分：n(评估值或网签价中较低的)*贷款成数-公积金贷款部分。

心酸和曲折 06-30 05:01

申请组合贷款的初审的手续与公积金贷款的相同。初审通过之后，借款人到银行来办理公积金贷款的其它手续时，要按照银行的要求填写商业贷款部分的借款的申请表并办理有关的手续。两部分贷款审批完成之后，同时由银行来拨付到售房单位的帐户。在组合贷款中，公积金贷款以及商业贷款的贷款期限、借款的日期和还款的日期都是相同的，不同的是贷款利率。组合贷款办理流程：一、借款人提出借款申请借款人需要拿好自己的二手房买卖合同和房产证复印件、身份证、住房公积金卡到银行申请住房公积金贷款(若夫妻双方使用公积金贷款，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(组合)贷款申请书”。二、审核贷款对借款人的贷款条件、贷款额度和贷款期限进行审批。三、到贷款银行签订借款合同四、产权部门办理贷款担保手续办理组合贷款两种担保方式：①借款人可用自有、共有或第三人房产进行抵押购房者想要办理房产抵押，需要持借款人身份证、预交款收据原件、名章、借款合同、抵押合同，填写《房屋他项权申请登记表》并加盖借款人(抵押人)和贷款银行(抵押权人)印章后，到房屋座落地的产权管理部门办理《房屋他项权证》。②用国债、银行定期存单等贷款银行认可的有价证券进行质押，借款人持有价证券交贷款银行收押保管。五、银行办理住房抵押保险手续借款人将借款合同、抵押合同(质押合同)、房屋他项权证、抵押权证明书等借款资料交贷款银行办理房屋保险手续。六、签订还款协议七、银行划款以上就是组合贷款申请流程的相关知识。在进行组合贷款时，需要携带相关的资料到相应的房地产管理部门办理贷款的手续。

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组合贷款申请流程是怎样的？如何办理组合贷款？