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台州市住房公积金贷款办理流程是怎样的？

台州市住房公积金贷款办理流程是怎样的？

浏览：42次 | 提问时间： 07-10 09:08

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我姓易却发现爱你不易 07-10 09:09

具体如下：
　个人住房公积金贷款买房的流程‍：

　　1、初审：

　　由住房资金管理中心对申请人提交的材料进行初步审查，包括申请人资格、贷款额度、贷款期限，初审合格以后，由中心出具《抵押物审核评估通知单》。

　　2、评估：

　　申请人持《抵押物审核评估通知单》到中心指定的评估机构，对所购买的房屋价值进行评估。经济适用房不需要评估。

　　3、审核：

　　申请人持评估机构出具的《评估报告》以及中心要求的初审材料到中心进行贷款审核。如果合格，中心开具《住房资金管理中心担保委托贷款调查通知单》。

　　4、办理担保手续：

　　申请人持《住房资金管理中心担保委托贷款调查通知单》，按照自己选择的担保方式办理担保手续。如果选择抵押＋保证的方式，保证人应该出具书面的担保函；如果选择抵押＋保险或第三人保证的方式，应该到保险公司投保或到担保机构办理委托担保手续。

　　5、签订借款合同。

　　6、住房资金管理中心与受托行签订委托贷款协议。

　　7、借款人直接向住房资金管理中心提出贷款申请，受托行业可根据需要，代为收集借款人申请资料，统一交住房资金管理中心审核、审批。

　　8、住房资金管理中心对每笔贷款金额、期限、利率审批同意后，与受托行签订委托贷款合同。

　　9、受托行按照委托贷款合同约定，与借款人分别签订《住房公积金委托贷款抵押合同》、《住房公积金委托贷款质押合同》和《住房公积金委托贷款保证合同》后，办理借款手续。

　　10、受托行将贷款直接划入售房方在受托行开立的指定账户。

希望可以帮到你！

数学君我们散了吧 07-10 09:17

1、借款人到公积金中心提出贷款申请，领取并填写《个人住房公积金贷款申请审批表》。

2、填写完《个人住房公积金贷款申请审批表》后，出示贷款申请材料及证件交于工作人员。

3、工作人员对借款人提交的材料进行初审，并就公积金贷款有关事项进行面谈，形成面谈记录。

4、双方初步确定贷款额度、期限等信息后，工作人员将在15个工作日内审核完贷款事项，作出是否准予决定。

5、准予贷款的，由受委托银行办理贷款发放手续，借款人在规定时间内到受托银行签订贷款合同。

6、贷款合同签订后，受托银行将借款以转帐方式划入售房单位开设的结算帐户内。

铭心影 07-10 09:26

1.借款申请人填写申请表；2.申请人向中心提交申请资料；3.经过中心初审确认客户的贷款资格；4.借款人委托评估事务所进行抵押物审核评估；5.填写贷款文件；6.将收押合同、借款合同提交开发商及担保单位盖章；7.买保险；8.向公积金管理中心报送资料，进行审核；9.将资料递送至中心终审；10.将资料递送至贷款银行；11.将银行返还的资料收存；12.按借款文件按期还款。

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