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潍坊住房公积金贷款办理流程是什么？

潍坊住房公积金贷款办理流程是什么？

浏览：56次 | 提问时间： 07-13 05:40

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3个答案

忌念 07-13 05:41

住房公积金贷款办理流程：
　　1、申请。借款申请人向管理中心或受委托银行提出申请并提交规定的申请材料。
　　2、调查。受托银行对借款申请人提交材料的真实性进行审核，并对个人信用报告、家庭现有房屋状况、首付款比例、担保是否足额、借款人收入及负债等事项进行调查。
　　3、审核。管理中心根据受托银行的调查结果，对申报材料进行审核，并在十个工作日内作出是否准予贷款的决定。
　　4、签约。受托银行与所有借款申请人、担保人签订借款合同和担保合同。
　　5、担保。受托银行与所有借款申请人、担保人在签约后，按照借款合同约定办理抵押登记等担保手续。
　　6、发放贷款。受委托银行拔付资金。

等太阳 07-13 05:49

1、单位介绍信；
2、填写《住房公积金管理中心开户登记表》、《住房公积金管理中心汇缴清册》，并加盖单位公章；
3、营业执照原件及复印件；
4、组织机构代码证原件及复印件；
5、法人身份证复印件；
6、经办人身份证复印件；
7、最近一个月工资表。

今嫌 07-13 05:58

公积金中心接收申请经办人初审借款人资料，
中心组织受托银行和担保公司一起进行考察，
考察人提出考察意见,
中心审贷小组批复贷款额度和贷款期限，
经办人准备并通知借款人签定相关合同(借款、抵押、质押、担保)、
办理住房抵押。

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