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山东住房公积金贷款流程有什么

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山东住房公积金贷款流程有什么

浏览：36次 | 提问时间： 07-06 08:16

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3个答案

勿想勿念勿犯贱 07-06 08:17

山东市住房公积金贷款流程
①贷款申请(填写住房公积金贷款申请表)当日完成；
②银行进行贷前审查，同意后报市住房公积金管理中心复审，2个工作日内完成。
③市住房公积金管理中心对贷款进行审核，1个工作日内完成。
④审核通过后，贷款银行与借款人签订借款合同，2工作日内完成。
⑤选择保证担保的，由担保公司办理反担保抵押手续，6个工作日内完成；选择抵押担保的，借款人应办理抵押保险手续，7个工作日内完成；选择质押担保的，由银行办理质押手续。
⑥贷款银行将借款人资料报送市住房公积金，2个工作日内完成。
⑦市住房公积金管理中心对贷款材料进行审批，3个工作日内完成

希望我的回答对您有所帮助，能得到您的采纳!

太念旧 07-06 08:25

山东住房贷款公积金贷款办理流程 ：
1、借款人到贷款服务大厅银行窗口提交个人申请资料，由银行进行受理、审查，审查通过后，提交中心审查。
2、中心进行审查和审批，同意贷款的，担保公司对其进行审查，办理担保手续，缴纳担保费。 3、借款人返回银行窗口签订借款合同，到公证窗口办理公证手续，缴纳公证费。
4、借款人离开贷款大厅，等待银行通知领取借款合同、放款凭证并按合同约定开始还款。

九命猫死一颗心不灭 07-06 08:34

1、通过公民身份信息系统核查借款人及配偶信息;

2、通过业务管理系统，查看借款人及配偶住房公积金缴存情况，重点查验住房公积金是否正常足额缴存，帐号、姓名是否与借款人提供的情况一致等;

3、通过中国人民银行个人征信系统查询借款人及配偶的信用状况及其他金融机构贷款与债务情况;

4、购买、建造、大修住房行为是否真实合法，核实首期付款是否达到标准;

5、申请贷款年限是否超过借款人自贷款发放之日到国家法定离退休年龄的年限;

6、抵押、质押等其他担保是否足额有效;

7、借款人及配偶是否具有偿还贷款本息的能力。借款人夫妻双方月偿还贷款本息不得超过其一方月工资总额，有其他贷款与债务的，与住房公积金贷款本息合并计算不得超过其一方月工资总额。

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