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公积金贷款流程？有什么不同吗

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公积金贷款流程？有什么不同吗

浏览：75次 | 提问时间： 07-20 04:08

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4个答案

不要你的怜悯 07-20 04:09

长春市住房公积金贷款利率：5年期以下（含）年利率是4%，5年期以上年利率是4.5%。公积金贷款和商业贷款相比，公积金贷款利息更低更划算。长春招行暂未开办公积金贷款，建议您可以联系其他银行咨询公积金贷款申请流程。

我是祖国的食人花 07-20 04:26

假如结婚了，需要一方是本地户口才可以异地使用。不过公积金贷款流程麻烦。

冰ぃ 07-20 04:34

公积金贷款流程是：
1、贷款人到银行提出书面申请。
2、银行受理申请，报送公积金中心。
3、贷款审批，结果通知银行。
4、办理贷款手续，签订合同复审，发放贷款。
5、抵押方式担保办理抵押登记手续。
1、贷款人向贷款承办银行提出书面申请，准备好相关资料原件及其复印件，填写申请表并提交。
2、银行对提交的申请受理并审核资料，资料完备的申请人报送公积金中心。
3、公积金中心审批贷款。审批通过后，将结果通知到银行。
4、申请人接到通知后与银行签订借款合同以及相关的协议和合同，签订完毕将手续递送公积金中心复审。公积金中心审核通过后即划拨委托贷款基金，承托银行就可以按照借款合同约定开始放款了。
5、假如借款人是以住房抵押的方式进行贷款的，那么要去当地房屋产权的管理部门办理房产抵押登记，抵押合同需要签字盖章生效。公积金贷款的流程并不是很复杂，不过要提前准备好银行和公积金中心需要的各项资料，在办理的流程中才会事半功倍，不然每一个步骤再去花时间准备材料，会很耽误贷款审批进度。

也许我不曾拥有你但我爱过 07-20 04:42

可以。申请异地申请住房公积金贷款即可。不同省市区办理异地公积金贷款的流程不同，实际请咨询当地房管局。

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