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请问张家口二手房公积金贷款流程是怎样的？

请问张家口二手房公积金贷款流程是怎样的？

浏览：81次 | 提问时间： 07-10 10:12

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3个答案

你好扎心 07-10 10:13

1第一步：个人贷款申请
公积金缴款人本人提出贷款申请，根据相关标准判断是否符合贷款条件。如果符合贷款条件，则可领取公积金贷款申请表，并选择“贷款担保方式”。按规定填写好申请表，及上交相关资料。
2第二步：管理部门审核审批
在个人提交相关贷款材料后，管理部门的信贷科会受理申请，信贷员会进行二次审核资料，调查房源情况及个人信用情况。然后确定贷款金额及贷款年限，并录入系统，提交管理部门主任审批。
3第三步：贷款发放
如果第二步领导审批通过，则表示予准贷款。然后根据所选银行，签订相关合同，最后发放贷款。

云与海 07-10 10:21

张家口二手房公积金贷款流程：
　1、贷款申请：借款人持规定资料向管理中心提出贷款申请。
　2、贷款受理：管理中心审查贷款资料并与申请人实行面谈，受理借款人贷款申请后的5个工作日内做出准予或不准予贷款的决定。
　3、签订合同：借款人及配偶到受托银行签订借款担保合同。
　4、贷款发放：借款合同生效后受托银行将贷款金额转入售房单位的银行存款账户(期房)或借款人的银行存款账户(二手房、现房、拆迁安置房、自建房)。

你是唯一 07-10 10:29

1. 提供买卖双方资料，填写管理中心制式申请表，报评估，交纳评估费

　　2. 资料提交管理中心审批，进行初审

　　3. 初审通过后通知客户到管理中心面签，管理中心进行复审

　　4. 审批通过后到公积基金管理中心签担保合同，交纳担保费

　　5. 贷款批贷后，通知买卖双方过户

　　6. 拿到新房本后办理抵押登记，见抵押登记受理单管理中心放款

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请问张家口二手房公积金贷款流程是怎样的？