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乌鲁木齐商贷转公积金贷款有哪些流程？

乌鲁木齐商贷转公积金贷款有哪些流程？

浏览：57次 | 提问时间： 08-06 09:23

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时光笑我孤独像狗 08-06 09:24

商业贷款转公积金，第一步：首先到公积金管理中心领取申请审批表，第二步：原商业贷款银行在申请表上证实商业贷款本金金额及有无逾期等情况。第三步，中心审批并指定办理公积金委托贷款的银行网点。第四步;借款申请人将房屋所有权证原件交与担保公司总部，并用自有资金或用担保公司的资金将原商业贷款还清，第五步：申请人将原商业贷款的他项权证，他项权利注销申请表交给担保公司（总部或设在个委托银行的网点）第六步：担保公司为贷款人办理公积金贷款担保手续。第七步：委托银行网点办理公积金房贷手续并将借款人的借款划给担保公司，第八步：担保公司为借款人办理原商业贷款他项权利注销及公积金贷款抵押反担保的他项权利登记手续。第九步：担保公司通知借款人取回房屋所有权证。第十步：借款人可以用公积金借款归还担保公司所借资金（借款人有自有资金归还原商业贷款的，担保公司将公积金借款款交与借款人）。

我姓罗我心落 08-06 09:33

借款人申请商转公贷款，按以下流程办理：申请、初审、审核审批、签订合同、办理抵押登记、发放贷款六个流程。据介绍，职工可以以自筹资金方式结清原商业性购房贷款，也可以选择由担保机构结清原商业性购房贷款。而商转公贷款所涉及的评估和担保相关费用由借款人自行承担。《办法》规定，住房公积金管理机构应当按借款人申请先后顺序，审核、发放商转公贷款。住房公积金贷款资金不足时，商转公贷款实行*候制度。

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乌鲁木齐商贷转公积金贷款有哪些流程？

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乌鲁木齐商贷转公积金贷款有哪些流程？