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贵阳公积金贷款流程是怎样的？

贵阳公积金贷款流程是怎样的？

浏览：47次 | 提问时间： 07-07 04:20

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3个答案

两不相见 07-07 04:20

贵阳公积金贷款流程：
1、借款人凭房屋买卖资料领取《贵阳市住房公积金委托贷款申请表》
2、分中心(管理部)或银行受理网点受理住房公积金贷款申请
3、分中心(管理部)对借款人贷款申请进行审批→借款人与委托银行签订《借款合同》
4、委托银行办理房屋抵押手续→委托银行按照合同约定放款
5、资料归档、贷后管理

脏话比谎话干净 07-07 04:29

贷款申请条件：(1)有贵阳市行政区域内常住户口；
(2)连续缴存住房公积金6个月以上；
(3)具有完全民事行为能力；
(4)有稳定的经济收入，具备偿还贷款本息的能力；
(5)有符合法律规定的购房合同、协议或其它批准文件；
(6)有所购住房普通商品房30%、二手房40%(首次购买普通商品房20%、二手房25%)以上的自有资金；
(7)用房地产抵押的，须符合房地产抵押管理的条件；

莔 07-07 04:37

1.借款人提出书面住房公积金贷款申请并提交有关资料，可以向贷款银行提出，由贷款银行受理后交住房公积金管理部门审批，也可以直接向住房公积金管理部门申请、等待审批；
2.经住房公积金管理部门审批通过的借款人，与贷款银行签订借款合同和担保合同，办理抵押登记、保险、公证等相关手续；
3.贷款银行按借款合同约定，将贷款一次或分次划入开发商在贷款银行设立的售房款专用帐户，或直接转入借款人在贷款银行开立的存款帐户；
4.借款人在贷款银行开立还款帐户，按借款合同约定的还款方式和还款计划，如期归还贷款本息；
5.贷款结清后，借款人从贷款银行领取“贷款结清证明”，取回抵押登记证明文件及保险单正本，到原抵押登记部门办理抵押登记注销手续。

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