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青岛办理公积金贷款的流程哪位朋友清楚？

青岛办理公积金贷款的流程哪位朋友清楚？

浏览：62次 | 提问时间： 07-02 05:48

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随人愿 07-02 05:49

1、申请人持本人及其配偶的身份证到辖区住房公积金管理处打印公积金查询单;管理处工作人员审核申请人贷款资格，计算可贷额度;符合贷款条件，发给申请人《青岛市住房公积金贷款申请审批表》。
2、申请人根据要求填写《青岛市住房公积金贷款申请审批表》，根据所购房屋类型及区域提供所需材料。
3、住房公积金管理中心根据申请人提供的材料进行审批，审核批准后申请人前来签订《借款合同》、《抵押合同》并办理抵押、保险手续，合同各方签字盖章后，借款人到房产登记部门办理抵押登记手续。

阳光暖不了人心 07-02 05:57

青岛办理公积金贷款的流程
1、本人参加住房公积金制度6个月以上，并连续、足额、缴存住房公积金(贷款时点程序显示近6个月正常汇缴)； ??
2、具有购房合同和相关证明及文件； ??
3、有相当于购房全部价款(不含配套费)30%以上的自筹资金； ??
4、有稳定的职业、经济收入和按规定偿还贷款本息的能力； ??
5、同意办理住房抵押； ??
6、借款人购买期房的，在房屋竣工办理产权证书之前，由开发单位提供担保。

顾忌谁 07-02 06:05

1连续足额缴存住房公积金6个月(含)以上，可申请住房公积金个人住房贷款。对曾经在异地缴存住房公积金、在现缴存地缴存不满6个月的，缴存时间可根据原缴存地住房公积金管理中心出具的缴存证明合并计算。 2住房公积金贷款对象为购买首套自住住房或第二套改善型普通自住住房的缴存职工，不得向购买第三套及以上住房的缴存职工家庭发放住房公积金个人住房贷款。 3住房公积金个人住房贷款发放率低于85%的设区城市，要根据当地商品住房价格和人均住房面积等情况，适当提高首套自住住房贷款额度，加大对购房缴存职工的支持力度。 4各地要实现住房公积金缴存异地互认和转移接续，并推进异地贷款业务，即职工可持就业地住房公积金管理中心出具的缴存证明，向户籍所在地住房公积金管理中心申请住房公积金个人住房贷款。 5住房公积金个人住房贷款担保以所购住房抵押为主。取消住房公积金个人住房贷款保险、公证、新房评估和强制性机构担保等收费项目。

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