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贵阳公积金贷款流程是怎样的？要怎么计算

浏览：32次 | 提问时间： 07-23 02:54
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4个答案
像一首歌 07-23 03:04

贵阳公积金贷款流程：
1、借款人凭房屋买卖资料领取《贵阳市住房公积金委托贷款申请表》
2、分中心(管理部)或银行受理网点受理住房公积金贷款申请
3、分中心(管理部)对借款人贷款申请进行审批→借款人与委托银行签订《借款合同》
4、委托银行办理房屋抵押手续→委托银行按照合同约定放款
5、资料归档、贷后管理

你忘了带我走 07-23 03:12

贷款申请条件：
（1）有贵阳市行政区域内常住户口；
（2）连续缴存住房公积金6个月以上；
（3）具有完全民事行为能力；
（4）有稳定的经济收入，具备偿还贷款本息的能力；
（5）有符合法律规定的购房合同、协议或其它批准文件；
（6）有所购住房普通商品房30%、二手房40%（首次购买普通商品房20%、二手房25%）以上的自有资金；
（7）用房地产抵押的，须符合房地产抵押管理的条件；

つ白痴的我选择相信谎言 07-23 03:20

如果结婚了，需要一方是本地户口才可以异地使用。但是公积金贷款流程麻烦。

怎能比你 07-23 03:29

具体贷款条件如下：
（一）申请人为单位缴存职工，且户籍所在地为贵阳市；
（二）申请人所购住房为用于自住的贵阳市新建普通商品住房；
（三）申请人须在申请贷款时点前连续正常足额缴存住房公积金6个月（含）以上；
（四）有稳定的经济收入来源和按时还本付息的偿贷能力；
（五）申请人及配偶个人信用良好，逾期记录不得超过累计6期（含）或连续3期（含）；
（六）申请人及配偶无住房公积金贷款记录或仅有一次公积金贷款记录且已还清；
（七）符合贵阳市公积金个人住房贷款规定的其他条件。

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