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大家说下鄂尔多斯公积金贷款流程是怎样的?_其他_设计456问答
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大家说下鄂尔多斯公积金贷款流程是怎样的?

浏览:46次 | 提问时间: 07-06 08:12
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3个答案
何苦硬撑 07-06 08:12

鄂尔多斯市住房公积金贷款
1.在鄂尔多斯市工作,连续、足额缴存住房公积金一年以上,具有完全民事行为能力的在职职工,均可申请住房公积金贷款。   
2.已婚借款人申请住房公积金贷款的,其配偶是共同借款人、共同债务人和财产共有人。   
3.为同一套住房在金融单位已经办理贷款的,不予办理住房公积金贷款。   
4.购买自住住房的,具有合法有效的房管部门备案《商品房买卖合同》(购买的房屋仅限鄂尔多斯市范围内)。申请贷款有效期限自合同签订(或首付款支付)之日起,至申请住房公积金贷款之日止,期间不超过一年;住房建设周期两年以上的,可以视具体情况延长至三年。   
5.购买首套普通自住住房,套型建筑面积在90平方米(含)以下的,贷款首付款比例不得低于20%;套型建筑面积在90平方米以上的,贷款首付款比例不得低于30%;购买第二套普通自住住房,贷款首付款比例不得低于50%.   
6.购买二手自住住房的,具有公证部门已公证的《房屋买卖契约书》和已办理过户的《房屋所有权证》及税务部门出具的完税发票,办理《房屋所有权证》后的两年内申请。   
7.借款人及配偶近两年(含)内无五期(含)以上不良贷款记录。   
8.申请人具有稳定的经济收入和偿还贷款本息的能力。   
9.职工及其配偶已经办理住房公积金贷款的,在其还清贷款本息之后,可再次申请住房公积金贷款。
希望我的回答能够帮助到你哦.

奶茶Monstar 07-06 08:21

个人住房公积金贷款买房的流程‍:

  1、初审:

  由住房资金管理中心对申请人提交的材料进行初步审查,包括申请人资格、贷款额度、贷款期限,初审合格以后,由中心出具《抵押物审核评估通知单》。

  2、评估:

  申请人持《抵押物审核评估通知单》到中心指定的评估机构,对所购买的房屋价值进行评估。经济适用房不需要评估。

  3、审核:

  申请人持评估机构出具的《评估报告》以及中心要求的初审材料到中心进行贷款审核。如果合格,中心开具《住房资金管理中心担保委托贷款调查通知单》
4、办理担保手续:

  申请人持《住房资金管理中心担保委托贷款调查通知单》,按照自己选择的担保方式办理担保手续。如果选择抵押+保证的方式,保证人应该出具书面的担保函;如果选择抵押+保险或第三人保证的方式,应该到保险公司投保或到担保机构办理委托担保手续。

  5、签订借款合同。

  6、住房资金管理中心与受托行签订委托贷款协议。

  7、借款人直接向住房资金管理中心提出贷款申请,受托行业可根据需要,代为收集借款人申请资料,统一交住房资金管理中心审核、审批。

  8、住房资金管理中心对每笔贷款金额、期限、利率审批同意后,与受托行签订委托贷款合同。

  9、受托行按照委托贷款合同约定,与借款人分别签订《住房公积金委托贷款抵押合同》、《住房公积金委托贷款质押合同》和《住房公积金委托贷款保证合同》后,办理借款手续。

  10、受托行将贷款直接划入售房方在受托行开立的指定账户。

来不及兑现 07-06 08:29

第一,具有该市行政区域内的常住户口或有效居留身份证明的职工;
第二,申请时已连续一年以上正常缴存住房公积金,并没有支取公积金用于支付购房首付款,同时无公积金贷款余额;
第三,具有购买住房的合同或协议,且首期付款金额不低于所购住房价值的30%;
第四,有较稳定的职业及经济收入,具备相应的贷款偿还能力,个人信用良好;
第五,有公积金中心认可的资产作为抵押或质押,   或有足够代偿能力的单位作为保证人;
第六,公积金中心规定的其它条件。
磨刀不误砍柴工,大家在申请贷款之前可以先向当地相关部门进行咨询。在悉数满足住房公积金贷款条件后,就可以申请公积金贷款了。

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