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求解广州公积金贷款审批流程是怎样的？

求解广州公积金贷款审批流程是怎样的？

浏览：41次 | 提问时间： 07-07 04:04

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3个答案

咆哮 07-07 04:05

您好，贷款流程为下：
【1】员工向公积金中心或者承办银行提交住房公积金贷款申请表和有关资料
【2】公积金中心或者承办银行受理职工申请后,对职工有关情况进行贷前审核
【3】公积金中心对职工贷款申请进行审批
【4】经公积金中心审批同意的贷款,由公积金中心、借款人、受托银行三方共同签订书面借款合同,或者由公积金中心委托受托银行与借款人签订书面借款合同
【5】公积金中心出具同意贷款审批意见及办妥担保手续后,公积金中心委托受托银行向借款人发放贷款。

难人 07-07 04:13

广州公积金贷款审批流程：自借款人携带有关资料到贷款银行申请住房公积金贷款起，至贷款划到贷款银行需要18-19个工作日。其中：
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。
希望回答对你有帮助。

你在我心里最深处的地方 07-07 04:21

下面给你详细介绍一下公积金贷款审批流程是：　　
可以到公积金中心网站进行查询，该中心网站每星期一会更新数据，可在星期二后查询;如果还有问题可与您的贷款客户经理联系，或者打公积金中心电话查询进度。　　
如果您符合申请公积金贷款条件且提供资料齐全，在公积金系统中从录入申请到通过，购买一手房需15个工作日;购买二手房需20个工作日。

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