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中山公积金贷款买房流程是怎么样的？_其他_设计456问答
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中山公积金贷款买房流程是怎么样的？

浏览：27次 | 提问时间： 07-10 08:41
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3个答案
萌到蹲大街 07-10 08:42

中山公积金贷款买房流程：初审、评估、审核、办理担保手续、签订借款合同。申请条件：住房公积金贷款的前提条件是，城镇职工个人与所在单位必须连续缴纳住房公积金满一年。

美梦太深不愿醒 07-10 08:50

借款人购买商品房的，必须有不少于总房价30%以上的自筹资金作为房屋首付款。   
借款人有稳定的经济收入、信用良好、有偿还贷款本息的能力。
夫妻双方都正常足额缴存住房公积金的，只允许一方申请住房公积金贷款。   
一个家庭同一时间只能申请一次住房公积金贷款购买一处住房。   
贷款人须有本省(市)城镇常住户口或有效居留身份。    同意用所购住房做抵押。

年少不知青衫薄 07-10 08:59

中山公积金贷款买房流程如下：
(一)借款人申请住房公积金贷款需要向市住房公积金管理中心提出书面申请，填写住房公积金贷款申请表并如实提供有关资料。
(二)市住房公积金管理中心负责借款人资格、担保人资格、贷款额度和贷款期限的审查及合同的填写同意后，借款人与中心签订相关合同或协议，并按中国人民银行规定办理保险。
(三)贷款手续办理完毕后，市住房公积金管理中心给银行签发准予贷款通知书，银行接到贷款通知书后办理贷款划付手续。

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