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南充公积金贷款流程是怎样的？

南充公积金贷款流程是怎样的？

浏览：35次 | 提问时间： 06-19 04:17

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相识半载情深似海 06-19 04:17

1.借款人申请住房公积金个人住房贷款需到管理中心提出申请，按照管理中心要求提供相关资料。2.管理中心受理借款人申请，审查借款人身份、还款能力、住房情况和个人征信情况，以及购建、大修自住住房的合法性和真实性。3.自管理中心受理贷款申请之日起15个工作日内，管理中心应对贷款申请进行审核，做出准予贷款或者不准予贷款的决定，并通知申请人。准予贷款的，由受托银行办理贷款手续;4.经管理中心审核批准的贷款，由受托银行与借款人签订借款合同及办理相关手续;管理中心复核同意后，将贷款资金划入受托银行的委托基金账户;受托银行按借款合同约定的时间和金额及时发放贷款。

醉梦中 06-19 04:26

1、具有城镇常住户口或者其他有效居留身份。2、具有稳定的职业和收入，信用良好，有偿还贷款本息的能力。3、购买住房的，须具有合法有效的购房合同或协议；建造、翻建住房的，须具有县(市、区)及以上规划、土地管理部门的批准文件；大修住房的，须具有县(市、区)及以上规划和建设管理部门的批准文件。4、规定比例的首付款或自筹款已付清。5、符合贷款申请时效：购买商品住房以预购商品房或其他房屋抵押的，自房管部门登记备案的购房合同签订之日起一年以内；购买再交易房(二手房)的，自交易双方签订买卖协议之日起3个月以内、产权过户之前；建造、翻建、大修自住住房以其他房屋抵押的，自取得相关部门修建文件之日起一年以内。6、同意按管理中心认可的担保方式办理担保。7、管理中心规定的其他条件。

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