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重庆商贷转公积金贷款流程哪位朋友熟悉?_其他_设计456问答
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重庆商贷转公积金贷款流程哪位朋友熟悉?

浏览:60次 | 提问时间: 07-10 09:33
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3个答案
心酸委屈 07-10 09:33

除市民新申请的个人住房公积金贷款将执行4.45%和4.90%的新利率外,购买第二套住房的住房公积金个人贷款利率也将跟着相应上调。根据相关规定,所购房屋为第二套住房的个人公积金贷款利率为同期首套个人贷款利率的1.1倍。此次加息后,使用公积金购买第二套住房的个人贷款利率分两种,五年期以下(含五年)贷款利率调整为4.895%;五年期以上贷款利率调整为5.39%。
新政出台,重庆市住房公积金管理中心有关负责人明确向记者表示将严格按照国家政策执行,具体是:最长贷款期限依旧为不超过35年,贷款利率按照央行规定执行。购房首付比例原则上仍按照商品房最低首付两成,二手房首付三成执行。我市目前只要使用过公积金贷款的,无论是否结清都无法再次申请。
调整后的重庆住房公积金贷款低利率优势惠民政策更加明显。以一笔50万元、20年期的公积金贷款计算,加息后公积金借款人每月仅多支付月供54.50元,20年后多支付总利息13080元。
价格来源于网络,仅供参考,

花摇印月影 07-10 09:42

这个其实和直接做公积金是一样的流程。
一、咨询公积金办理公司并提供相关资料,转贷申请人与办理公司协商,由办理公司办理相关手续到原贷款银行咨询、提出转贷申请,经原贷款银行同意后,领取转贷申请表。
二、提交资料。转贷申请人向原贷款银行提交转贷申请表及相关证明文件。
三、贷款审批。银行对转贷申请人提交的资料初审后送资金中心审批。
四、签订合同。转贷借款人与原贷款银行签订公积金借款合同及抵押合同。
五、预存资金。转贷借款人将原贷款与转贷款的差额部分,用自有资金存入转贷银行,用于结清商业性贷款。
六、发放资金。市资金中心发放贷款资金,由原贷款银行将公积金贷款资金和借款人预存资金同时结清原商业贷款。
七、办理抵押。由担保公司代为办理原商业贷款房产抵押注销和转公积金贷款抵押登记手续。
八、还款结清。转贷借款人从转公积金贷款发放,次月开始按月偿还贷款本息,直至贷款全部结清。

Mascara 07-10 09:50

重庆商贷转公积金贷款流程如下:

(一)担保审批阶段:

1、申贷人咨询,填写商转公申报表;

2、申贷人前往合肥市住房公积金管理中心(以下称管理中心)营业大厅2楼担保公司柜台处进行商转公担保申请,担保公司初审;管理中心复审,确定转贷金额;

3、申贷人自行结清原商业贷款剩余本息,并注销原“房地产他项权证”。

(二)申请转贷阶段:

1、申贷人凭原商业贷款结清凭证等转贷资料至担保公司申请转贷,签署合同等相关资料;

2、银行征信查询,管理中心审核,担保公司陪同申贷人办理房屋抵押登记手续;

3、房屋抵押登记手续完成后(以管理中心确认为准),担保公司收押他项权证,管理中心放款。

希望我的回答对你有帮助。

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