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厦门商贷转公积金贷款办理流程有谁熟悉?_其他_设计456问答
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厦门商贷转公积金贷款办理流程有谁熟悉?

浏览:49次 | 提问时间: 08-06 05:55
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3个答案
superwoman 08-06 05:56

商贷转公积金贷款办理流程:(一)担保审批阶段:1、申贷人咨询,填写商转公申报表;2、申贷人前往合肥市住房公积金管理中心(以下称管理中心)营业大厅2楼担保公司柜台处进行商转公担保申请,担保公司初审;管理中心复审,确定转贷金额;3、申贷人自行结清原商业贷款剩余本息,并注销原“房地产他项权证”。(二)申请转贷阶段:1、申贷人凭原商业贷款结清凭证等转贷*至担保公司申请转贷,签署合同等相关*;2、银行征信查询,管理中心审核,担保公司陪同申贷人办理房屋抵押登记手续;3、房屋抵押登记手续完成后(以管理中心确认为准),担保公司收押他项权证,管理中心放款。

我呵呵你一脸翔 08-06 06:05

一、申请范围在我市购买自住住房且办理的商业性住房贷款(不含个人住房公积金组合贷款及房屋抵押贷款)尚未结清、符合我市商业性住房贷款转个人住房公积金贷款有关规定的本市住房公积金缴存职工。二、办理场所住房公积金贷款金融业务受委托银行(工商银行厦门分行、农业银行厦门分行、中国银行厦门分行、建设银行厦门分行、交通银行厦门分行、兴业银行厦门分行、招商银行厦门分行、邮储银行厦门分行和厦门银行办)业务网点或厦门市住房置业担保有限公司驻市行政服务中心窗口(地址:湖里区云顶北路842号市行政服务中心一层C厅)。三、办理要件1.借款申请人及配偶有效身份*(原件及复印件);2.借款申请人婚姻证明(原件及复印件),在国外办理的婚姻证明需提供大使馆认证说明;借款人单身需出具借款人婚姻状况具结书(格式由银行提供);3.借款申请人及配偶户口簿首页及个人页(原件及复印件);4.借款人及配偶近3个月收入证明(格式由银行提供)或个税完税证明原件;5.经原贷款银行确认的《厦门市土地房屋权证》复印件;6.房地产评估机构出具的在有效期内的《房地产抵押估价报告》或受委托银行出具的《房屋价值确认函》;7.原商业性住房贷款《借款合同》(原件及复印件);8.采用担保方式的应提供担保公司出具的“担保意向函”原件;9.经原贷款银行盖章确认的贷款余额证明(中心网站*或到受委托银行领取)原件;10.个人信用查询授权书原件;11.厦门市国土房产测绘档案管理中心出具的《厦门市城镇房屋权属登记查询结果表》(有效期三个月)原件;12.经原贷款银行确认的*合同(原件及复印件)。四、办理流程1.申请。借款申请人向受委托银行或厦门市住房置业担保有限公司提交申请材料。2.审核。市住房公积金管理中心对受委托银行提交的申请材料按规定进行审核。3.签约、担保(1)以自有资金结清商业性住房贷款的,原商业性住房贷款银行注销原抵押后,借款人与受委托银行签订住房公积金借款合同、抵押合同,并按借款合同约定到厦门市房地产交易权籍登记中心办理抵押担保手续。(2)由厦门市住房置业担保有限公司提供担保的,借款人与受委托银行签订借款合同、抵押合同,并与厦门市住房置业担保有限公司签订担保合同。4.复核。市住房公积金管理中心对受委托银行移送的借款合同、抵押*明(或厦门市住房置业担保有限公司出具的《放款通知书》、保证合同)等材料复核后,通知受委托银行放款。5.放款。(1)借款申请人以自有资金结清原商业性住房贷款的,受委托银行以转账方式将贷款资金发放至借款人指定的账户。(2)借款申请人申请厦门市住房置业担保有限公司担保的,受委托银行以转账方式将贷款资金划转至担保机构专用账户;厦门市住房置业担保有限公司为借款人结清原商业性住房贷款;原商业性住房贷款银行办理原商业性住房贷款的注销抵押登记手续后,借款申请人与受委托银行到市房地产交易权籍登记中心办理商转公贷款抵押登记手续。五、办理时限市住房公积金管理中心审核时限为4个工作日。六、注意事项1.商业住房贷款转个人住房公积金贷款所涉及的评估和担保等相关费用由借款人承担。2.转为个人住房公积金组合贷款中的商业性住房贷款需按受委托银行的有关规定办理。3.住房公积金缴存职工申请贷款时前12个月在本市按月足额缴存住房公积金。因单位原因中断缴存的,应同时符合以下规定:申请贷款时前3个月(含)按月足额缴存;申请贷款时前12个月内连续中断缴存未超过3个月(含)、累计中断缴存未超过5个月(含)且办理补缴的。4.住房公积金缴存职工申请贷款时公积金账户余额应不少于最近12个月的缴存额。5.借款申请人个人信用报告中截至申请贷款时前两年内个人贷款最高逾期期数不超过3期(含)、累计逾期次数不超过6次(含),因银行管理等非借款人原因造成逾期的不计算在内。6.借款申请人及其配偶已办理过的个人住房公积金贷款必须结清满一年以上。

無可挑剔 08-06 06:13

实际上不难   1.申请。借款申请人向受委托银行或厦门市住房置业担保有限公司提交申请材料。2.审核。市住房公积金管理中心对受委托银行提交的申请材料按规定进行审核。3.签约、担保以自有资金结清商业性住房贷款的,原商业性住房贷款银行注销原抵押后,借款人与受委托银行签订住房公积金借款合同、抵押合同,并按借款合同约定到厦门市房地产交易权籍登记中心办理抵押担保手续。由厦门市住房置业担保有限公司提供担保的,借款人与受委托银行签订借款合同、抵押合同,并与厦门市住房置业担保有限公司签订担保合同。4.复核。市住房公积金管理中心对受委托银行移送的借款合同、抵押*明(或厦门市住房置业担保有限公司出具的《放款通知书》、保证合同)等材料复核后,通知受委托银行放款。5.放款。借款申请人以自有资金结清原商业性住房贷款的,受委托银行以转账方式将贷款资金发放至借款人指定的账户。借款申请人申请厦门市住房置业担保有限公司担保的,受委托银行以转账方式将贷款资金划转至担保机构专用账户;厦门市住房置业担保有限公司为借款人结清原商业性住房贷款;原商业性住房贷款银行办理原商业性住房贷款的注销抵押登记手续后,借款申请人与受委托银行到市房地产交易权籍登记中心办理商转公贷款抵押登记手续。

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