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私人住房贷款流程哪位朋友熟悉，个人住房装修贷款可不可以与所配套个人住房贷款同时申请？

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私人住房贷款流程哪位朋友熟悉，个人住房装修贷款可不可以与所配套个人住房贷款同时申请？

浏览：43次 | 提问时间： 07-01 04:34

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2个答案

人心本凉 07-01 04:34

流程就是：1、借款申请人夫妻双方及所购住房共有权人的身份证、户口簿或其他有效居留证件、已付房款凭证原件及复印件；2、借款申请人及所购住房共有权人的私人印章、结婚证原件及复印件或单身证明(声明人本人当中心工作人员面书写并签字、摁手印，因离异或丧偶而单身的须另提交离异或丧偶的有效证明)。3、购商品住房贷款(1)《吉林市职工购建住房政策性贷款申请审批表》【凭购房合同向本中心申办贷款窗口领取，按表格要求填写，一式三联】(2)经产权监理部门备案的购房合同原件

青藍色傷痕誰知 07-01 04:43

个人购房贷款申请的流程：　　一、个人住房组合贷款指以住房公积金存款和信贷资金为来源向同一借款人发放的用于购买自用普通住房的贷款，是个人住房委托贷款和白营贷款的组合。此外，还有住房储蓄贷款和按揭贷款等。　　二、个人住房委托贷款指银行根据住房公积金管理部门的委托，以住房公积金存款为资金来源，按规定的要求向购买普通住房的个人发放的贷款。也称公积金贷款。　　三、个人住房自营贷款是以银行信贷资金为来源向购房者个人发放的贷款。也称商业　　个人住房贷款，各银行的贷款名称也不一样，建设银行称为个人住房贷款，工商银行和农业银行称为个人住房担保贷款。希望我的回答对你有帮助！

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