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商转公积金贷款流程

浏览：60次 | 提问时间： 07-13 10:04
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6个答案
寂寞 07-13 10:05

商业贷款转公积金贷款，最重要的流程就是要先向银行进行申请之后，还要去公积金管理中心咨询一下具体的事情，然后根据这个要求来办。等到你那边的事情都完成之后，再去银行办理一下最后的手续，公积金是现在用的比较多的一种贷款方式，是最划算的一种，你要是感兴趣的话，最好是去管理中心咨询一下，具体的事情我这边也不是特别清楚。

思君不待已追忆 07-13 10:14

商转公积金贷款流程是以下几个方面：


1、首先，你需要向您需要贷款的银行提出申请。提供相应申请的资料。


2、符合申请之后，银行会去搜集您和您老公或者老婆的征信状况，就是俗称的征信报告，只有征信过了之后才会有后续的成功。


3、到了这一步就开始签合同了，意味着贷款申请成功。



心如刀割 07-13 10:22

商业贷款转住房公积金贷款，是需要满足相关条件才可以更换的，并且更换的流程特别的复杂。只要满足相关条件以后，你就可以直接去银行里面申请的，带上当初的贷款合同和公积金一年的流水，之后工作人员会对你的资料进行审核，然后帮你转换成公积金贷款的，前后大概需要30个工作日左右，过程还是比较慢的，另外商业贷款转成公积金贷款，你是需要额外支付一笔利息的。

青青子衿 07-13 10:30

商转公积金贷款流程如下，第一，首先向银行提出申请，告诉银行自己想要办理商转公积金的手续。第二，银行同意办理后，把自己的身份证，户口本，结婚证明，购房合同提交给银行，由银行进行审核。第三，审核通过以后，银行会和你签订贷款合同，办理抵押手续。第四，如果你申请的公积金贷款额度和商业贷款额度不一样，那么需要将差额补上。第五，手续办完以后，银行会把商业贷款结清，然后转发公积金贷款。

冰箱少年 07-13 10:38

商转公积金贷款流程如下，第一，首先向银行提出申请，告诉银行自己想要办理商转公积金的手续。第二，银行同意办理后，把自己的身份证，户口本，结婚证明，购房合同提交给银行，由银行进行审核。第三，审核通过以后，银行会和你签订贷款合同，办理抵押手续。第四，如果你申请的公积金贷款额度和商业贷款额度不一样，那么需要将差额补上。第五，手续办完以后，银行会把商业贷款结清，然后转发公积金贷款。

你的她很会装 07-13 10:47

商转公积金贷款流程也是先符合一定的条件后才可以进行商业贷款转公积金贷款的。转公积金贷款的借款人，必须要和之前的贷款人是同一个人，原来的商业贷款必须要连续还款且没有逾期现象，还有最重要的一点就是商业贷款转公积金贷款的话必须要经过银行的同意，已经获得了房地产产权证的。以上能够满足这些条件的都是可以进行商转公积金贷款流程的。

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