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谁能说一说房积金贷款流程有哪些？

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谁能说一说房积金贷款流程有哪些？

浏览：49次 | 提问时间： 08-05 10:48

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3个答案

放肆看什么看给本宫跪下 08-05 10:49

你好，房公积金贷款流程：           1、贷款申请：借款人持规定*向管理中心提出贷款申请。  　2、贷款受理：管理中心审查贷款*并与申请人实行面谈，受理借款人贷款申请后的5个工作日内做出准予或不准予贷款的决定。  　3、签订合同：借款人及配偶到受托银行签订借款担保合同。  　4、贷款发放：借款合同生效后受托银行将贷款金额转入售房单位的银行存款账户（期房）或借款人的银行存款账户（二手房、现房、拆迁安置房、自建房）。

稀灬峳彼岸花 08-05 10:57

办理住房公积金贷款手续：1借款申请人填写申请表；2.申请人向中心提交申请*；3.经过中心初审确认客户的贷款资格；4.借款人委托评估事务所进行抵押物审核评估；5.填写贷款文件；6.将收押合同、借款合同提交开发商及担保单位盖章；7.买保险；8.向公积金管理中心报送*，进行审核；9.将*递送至中心终审；10.将*递送至贷款银行；11.将银行返还的*收存；12.按借款文件按期还款。

海不会蓝我不会在 08-05 11:05

流程　　1)借款人到单位交存住房公积金的住房资金管理(分)中心提出申请,介绍本人情况、领取材料。　　2)准备齐全的*材料,交住房资金管理(分)中心审核,包括核验借款申请表、购房行为是否合法、核定贷款额度和期限、确定贷款担保方式等。需要评估的贷款,由指定评估机构进行评估。　　3)初审合格,住房资金管理中心开具调查通知单,由受托银行对借款人进行调查,并指导借款人填写有关贷款合同。调查内容包括:核实收入情况有保证的人,保证人是否具有保证资格等。　　4)经受托银行调查合格,受托行出具调查意见递交住房资金管理(分)中心,由住房资金管理(分)中心审批。　　5)审批通过,住房资金管理(分)中心签发委托贷款通知单。银行通知借款人办理放贷手续。　　6)借款合同生效,住房资金管理(分)中心将资金划入委托贷款基金账户,再由受托行将资金划入开发商账户。　　7)借款人按照规定的方式按时归还借款。　　8)借款人还清贷款本息,借款合同和有关担保解除/         贷款

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