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无锡商贷转公积金贷款流程有谁了解?谁知道具体的数目啊_其他_设计456问答
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无锡商贷转公积金贷款流程有谁了解?谁知道具体的数目啊

浏览:77次 | 提问时间: 07-02 04:10
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5个答案
笑我痴 07-02 04:11

无锡商贷转公积金贷款流程如下:一、借款人申请贷款,应同时具备以下条件(一)、按本市住房公积金管理规定申请贷款前连续足额缴存住房公积金满6个月(或三个月)以上,且借款人及其配偶均无住房公积金贷款债务、未向其他公积金借款人提供过贷款担保或辅助借款。(二)、购买、建造、翻建、大修和装修城镇自住住房的房屋所有权人或购买公有住房的房屋使用权人以及与房屋所有权人或房屋使用权人共同居住的直系亲属;(三)、有稳定的收入、信用良好、有偿还贷款本息的能力;(四)、具有购买、建造、翻建、大修和装修自住住房的有关手续及土地、建设、规划等部门的批准文件和规定比例的自筹资金;(五)、提供符合《中华人民共和国担保法》规定且管理中心认可的担保;(六)、其他规定条件。二、个人准备资料:  1、公积金个人贷款申请审批表;  2、申请人身份证或有效身份证明;  3、申请人配偶身份证或有效身份证明;  4、申请人的辅助还款人身份证或有效身份证明;  5、申请人及配偶、辅助还款人户口簿;  6、申请人的结婚证明或婚姻关系证明;  7、申请人及配偶、辅助还款人的工作情况及收入证明;  8、贷款资金划款委托书;  以上材料一式三份。三、商贷转公基金贷款准备材料:  1、购房合同;  2、商业贷款《借款合同》;  3、最近三个月商业贷款还款证明;  4、商业银行出具的贷款余额证明以及贷款人的身份证;  5、户口本;  6、婚姻证明;以上材料一式三份。

笑我孤陋 07-02 04:19

具体申请条件及步骤如下:1、申请人需要符合《住房公积金委托贷款实施细则》的相关规定,如本地户口、月收入充足等;2、申请人已办理商业性贷款,有完整的贷款、产权证、契税证、抵押登记手续;3、已向原按揭银行申请提前还贷并获得银行同意;4、申请人具有良好的信誉,无连续二期以上逾期贷款记录。

shne 07-02 04:27

根据地方规定,有的城市商业贷款可以转公积金贷款,具体要看当地城市的规定,例如,北京,上海,广州不可以,而东莞,宁波,深圳都可以,详细要看当地具体规定,商业贷款转公贷款目前有两种办理方式一种是先还后贷方式,另一种是以贷冲贷方式。先还后贷方式是指已办理商贷的职工向中心申请商转公贷款,经中心同意后,职工以自筹资金还清商贷并办理担保手续后,中心再发放商转公贷款。以贷冲贷方式是指已办理商贷的借款人向中心申请商转公贷款,经中心同意后,借款人将商贷本息余额大于商转公贷款差额提前还清,并办理担保手续,中心发放商转公贷款,借款人、担保公司、银行共同配合用商转公贷款还清商贷并办理住房抵押反担保手续。商业贷款转公积金贷款注意事项如下:1、没有不良还款记录;2、应征得原贷款银行的同意;3、转公积金贷款涉及的房屋所有权证应已办出,并能办理抵押手续;4、转公积金贷款的贷款额度不得超过原商业贷款剩余的借款本金,且不得超过房屋原购买价格、房屋评估价值低者的六成;5、原借款余额超过转公积金贷款额度的部分,由新借款人(或借款人)自筹,并与转公积金贷款一并用于提前偿还原借款。6、申贷人按规定正常足额缴存住房公积金连续满一年以上,申贷人须与原商业贷款借款人为同一人希望我的回答对您有帮助。

别怕我在 07-02 04:36

先还后贷方式是指已办理商贷的职工向中心申请商转公贷款,经中心同意后,职工以自筹资金还清商贷并办理担保手续后,中心再发放商转公贷款。以贷冲贷方式是指已办理商贷的借款人向中心申请商转公贷款,经中心同意后,借款人将商贷本息余额大于商转公贷款差额提前还清,并办理担保手续,中心发放商转公贷款,借款人、担保公司、银行共同配合用商转公贷款还清商贷并办理住房抵押反担保手续。商业贷款转公积金贷款注意事项如下:1、没有不良还款记录;2、应征得原贷款银行的同意;3、转公积金贷款涉及的房屋所有权证应已办出,并能办理抵押手续;4、转公积金贷款的贷款额度不得超过原商业贷款剩余的借款本金,且不得超过房屋原购买价格、房屋评估价值低者的六成;5、原借款余额超过转公积金贷款额度的部分,由新借款人(或借款人)自筹,并与转公积金贷款一并用于提前偿还原借款。6、申贷人按规定正常足额缴存住房公积金连续满一年以上,申贷人须与原商业贷款借款人为同一人。

憎厌她 07-02 04:44

第一步,带好《无锡市商业性住房贷款转公积金(组合贷款)申请表》去银行盖章。第二步,带好转贷需要提供的资料(原件)去公积金审核。(需夫妻两人同去)第三步,审核通过,收到公积金中心短信后,去公积金中心领取支票。第四步,带支票去银行还贷。第五步,带银行的结清证明等文件,去公积金中心重新申请贷款。(需夫妻两人同去)第六步,收到放贷的短信后,去银行领取新的贷款合同。

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