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南京市住房公积金贷款流程谁知道？

南京市住房公积金贷款流程谁知道？

浏览：31次 | 提问时间： 08-06 04:56

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怪我胆小 08-06 04:57

南京市住房公积金贷款流程1、职工到贷款银行的网点领取“住房公积金商品房贷款须知”;2、贷款职工凭《商品房*契约》原件、付款收据等向银行提出贷款申请，贷款银行审查万上树*后为贷款职工发放住房贷款文本、贷款职工凭租房公积金卡查询公积金缴存情况为贷款职工计算并商定其可贷额度和可贷期限;3、借款人填写住房贷款文本，并按要求提供的材料粘贴在指定的区域中;4、借款人将住房贷款文本带到售房单位加盖担保章，并付清剩余房款;5、管理中心审查贷款*后，贷款银行通知经审合格的职工办理公证、抵押手续;6、职工在贷款银行开设用于归还贷款的还款账户;7、贷款银行以转账的方式将贷款转入守房单位在银行开设的资金监管账户;8、职工每月14日之前将当月应还本溪额存入还款账户，保证贷款银行能够实施扣款。;

人情冷暖薄如纸 08-06 05:06

南京市住房公积金贷款流程：　1、初审：　　由住房资金管理中心对申请人提交的材料进行初步审查，包括申请人资格、贷款额度、贷款期限，初审合格以后，由中心出具《抵押物审核评估通知单》。　　2、评估：　　申请人持《抵押物审核评估通知单》到中心指定的评估机构，对所购买的房屋价值进行评估。经济适用房不需要评估。　　3、审核：　　申请人持评估机构出具的《评估报告》以及中心要求的初审材料到中心进行贷款审核。如果合格，中心开具《住房资金管理中心担保委托贷款调查通知单》。　　4、办理担保手续：　　申请人持《住房资金管理中心担保委托贷款调查通知单》，按照自己选择的担保方式办理担保手续。如果选择抵押＋保证的方式，保证人应该出具书面的担保函；如果选择抵押＋保险或第三人保证的方式，应该到保险公司投保或到担保机构办理委托担保手续。　　5、签订借款合同。　　6、住房资金管理中心与受托行签订委托贷款协议。　　7、借款人直接向住房资金管理中心提出贷款申请，受托行业可根据需要，代为收集借款人申请*，统一交住房资金管理中心审核、审批。　　8、住房资金管理中心对每笔贷款金额、期限、利率审批同意后，与受托行签订委托贷款合同。　　9、受托行按照委托贷款合同约定，与借款人分别签订《住房公积金委托贷款抵押合同》、《住房公积金委托贷款质押合同》和《住房公积金委托贷款保证合同》后，办理借款手续。　　10、受托行将贷款直接划入售房方在受托行开立的指定账户。

我还是喜欢你 08-06 05:14

1、住房资金管理中心与受托行签订委托贷款协议。2、借款人直接向住房资金管理中心提出贷款申请，受托行业可根据需要，代为收集借款人申请*，统一交住房资金管理中心审核、审批。　　（1）借款人身份*（指居民*、户口簿或其他有效居留*）及婚姻状况证明；　　（2）借款人家庭财产和收入证明；　　（3）合法的购（建、修）住房合同意向书、协议或其他批准文件；　　（4）抵押物或资物清单、权属证明以及有处分权人同意抵押或资押的证明；有权部门出具的抵押物估价证明；保证人同意提供保证的书面文件和保证人资信证明；　　（5）有所购（建、修）住房全部价款20%以上的自有资金，并保证用于支付所购（建、修）住房的首付款；　　（6）自建住房的，应出具计划、建设、规划、土地等有关部门的批准文件；　　（7）对自有住房进行翻建、大修的、应出具自有住房产权证明；　　（8）有住房资金管理中心认可的资产作为抵押或质押，或有足够代偿能力的单位或个人作为保证人；　　（9）住房资金管理中心规定的其他条件；3、住房资金管理中心对每笔贷款金额、期限、利率审批同意后，与受托行签订委托贷款合同。4、受托行按照委托贷款合同约定，与借款人分别签订《住房公积金委托贷款抵押合同》、《住房公积金委托贷款质押合同》和《住房公积金委托贷款保证合同》后，办理借款手续。5、受托行将贷款直接划入售房方在受托行开立的指定账户。希望我的回答对你有帮助

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