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湛江公积金贷款流程谁了解的?_其他_设计456问答
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湛江公积金贷款流程谁了解的?

浏览:34次 | 提问时间: 08-06 05:34
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3个答案
柠檬萌不萌 08-06 05:35

公积金贷款办理程序:一、审批依据   1、《住房公积金管理条例》   2、《住房公积金贷款管理办法》(试行)   二、受理范围及申报材料   (一)   受理范围   1、借款人已累计缴存住房公积金12个月以上,连续缴存6个月以上;   2、已交付所购住房全部价款30%以上的首付款;   3、具有合法的购房合同或协议;   (二)申报材料   1、商品房住房公积金贷款需提供的材料   (1)借款人及参贷人(共同还款人、担保人)的居民*、户口簿原件及复印件和共同还款承诺书;   (2)婚姻状况证明(已婚的提供结婚证复印件,其他情况由所在单位或派出所出具证明);   (3)合法的商品房购房合同或协议;   (需盖有房管局备案章)(4)借款人及参贷人所在单位提供的个人资信证明;   (5)借款人已交付不低于30%购房款的有效凭据;   (6)有效的担保证明;   (7)办理住房公积金贷款的期房楼盘,必须是由开发商与受委托银行签订按揭协议的楼盘,借款人可通过按揭银行办理贷款手续。   2、二手房公积金贷款应提供的材料   二手房办理是以现房做抵押担保,在提供上述*基础上须补充以下*:   (1)卖方*、户口簿复印件;   (2)房产证原件和复印件;   (3)由管理中心认可的评估机构出具的评估报告;   (4)贷款额度不得超过评估价的70%   (5)由管理中心认可的中介机构与*双方签订的三方协议;   (6)由区级以上房产交易部门进行抵押登记。   二手房公积金贷款可到公积金审批大厅或受委托银行办理。

Ale 08-06 05:44

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。

愚妄友人 08-06 05:52

湛江公积金贷款流程:  1、申请。借款申请人向管理中心或受委托银行提出申请并提交规定的申请材料。  2、调查。受托银行对借款申请人提交材料的真实性进行审核,并对个人信用报告、家庭现有房屋状况、首付款比例、担保是否足额、借款人收入及负债等事项进行调查。  3、审核。管理中心根据受托银行的调查结果,对申报材料进行审核,并在十个工作日内作出是否准予贷款的决定。  4、签约。受托银行与所有借款申请人、担保人签订借款合同和担保合同。  5、担保。受托银行与所有借款申请人、担保人在签约后,按照借款合同约定办理抵押登记等担保手续。  6、发放贷款。受委托银行拔付资金。  住房公积金,是指*机关、国有企业、城镇集体企业、外商投资企业、城镇私营企业及其他城镇企业、事业单位、民办非企业单位、社会团体及其在职职工缴存的长期住房储金。

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