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江苏无锡公积金贷款办理流程是怎样的？

江苏无锡公积金贷款办理流程是怎样的？

浏览：67次 | 提问时间： 07-10 08:18

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烟雨楼中伊人醉 07-10 08:18

职工购买商品房办理住房公积金贷款所需的资料及流程：
①“住房公积金贷款申请审批表”3份(在当地住房公积金管理中心现场填写)。
②借款人及配偶户口本、居民身份证、结婚证原件及3份复印件；单身的需提供民政部门出具的单身证明和离婚证明原件及3份复印件。
③合法有效的购房合同原件3份。房屋开发单位的《营业执照》副本、《商品房预售许可证》(期房)、《商品房销售许可证》、《竣工验收合格证》、大房证复印件3份。
④涉及抵押或质押担保的，需提供抵押物或质押权利的权属证明原件及3份复印件以及有处分权人同意抵(质)押的书面证明原件3份。
⑤涉及保证担保的，需保证人出具同意提供担保的书面承诺原件3份并提供保证人具有保证能力的证明材料(包括营业执照、近三年财务报表、资质等级证明、资信等级证明等)复印件3份。
⑥借款人已付所购房屋价款规定比例以上的首付款交款单据(发票、收据、银行进账单、现金交款单等)原件及3份复印件。
上述文件准备齐全后，贷款人本人持身份证、户口本亲自到当地住房公积金管理中心办理贷款手续。房屋产权归属2人以上的，须同时到场。
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一個自以為是春是一场准成 07-10 08:27

江苏无锡公积金贷款办理流程：贷款申请-中心审批-签订合同-银行会审-抵押登记-资金划拨-发放贷款-贷后管理。
2015年3月30日，央行、住建部、银监会联合发文称，对拥有1套住房且相应购房贷款未结清的居民家庭，为改善居住条件再次申请商业性个人住房贷款购买普通自住房，最低首付款比例调整为不低于40%；缴存职工家庭使用住房公积金委托贷款购买首套普通自住房，最低首付款比例为20%；对拥有1套住房并已结清相应购房贷款的缴存职工家庭，为改善居住条件再次申请住房公积金委托贷款购买普通自住房，最低首付款比例为30%。

无他不安 07-10 08:35

1、申请人携资料到公积金管理中心咨询、申请、填写申请表；
2、公积金管理中心审批后向申请人发放委托通知书；
3、申请人领取通知书后携带所有原件到当地的银行签订合同等、同时在公证处办理公证手续；
4、申请人持签定好的合同资料等到房屋出卖人处盖章；
5、申请人持保证后的借款合同(抵押合同)等到当地宿迁市房地产管理处办理抵押登记；

填写一份住房公积金贷款申请审批表(要回单位盖章加意见)，银行就会将你的申请送给当地住房公积金贷款审批中心，一般审批的时间会很长，审批过后，公积金贷款银行就会发放你的住房公积金贷款，就开始还款啦。有价证券和担保公司的证明，就是怕你换不起公积金贷款那部分款项，需要前两者的目的是降低他们放公积金的风险系数，怕到时候贷款收不回来，所以要提交有价证券或者是担保公司的证明。

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