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无锡公积金贷款流程是怎样的？

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无锡公积金贷款流程是怎样的？

浏览：55次 | 提问时间： 08-06 09:30

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3个答案

黎 08-06 09:31

无锡公积金贷款流程1、无锡公积金一手房贷款流程1)借款人到贷款服务大厅银行窗口提交个人申请*，由银行进行受理、审查，审查通过后，提交中心审查。2)中心进行审查和审批，同意贷款的，担保公司对其进行审查，办理担保手续，缴纳担保费。3)借款人返回银行窗口签订借款合同，到公证窗口办理公证手续，缴纳公证费。4)借款人离开贷款大厅，等待银行通知领取借款合同、放款凭证并按合同约定开始还款。2、无锡公积金二手房贷款流程咨询、领表→申请、受理   →   调查、审批→   办理担保手续→   签订合同→   发放贷款→   归还贷款→办理注销手续

心是不欢 08-06 09:39

办理:1、1、受理:借款人填写《贷款申请表》授权查询征信系统，经中心审核征信无不良贷款或不良信用记录后，提交借款人及抵押人户口簿、*原件、婚姻状况证明(抵押人已婚的，需提供结婚证;如果户口簿上注明已婚、事实单身，需提供离婚证及单身声明;抵押人单身的，提供单身声明，房屋所在区域房地产交易登记管理部门如有特殊要求，按照房地产交易登记管理部门要求提供有关材料)、经房地产交易登记管理部门登记备案的商品房*合同、预交房款收据原件等材料及复印件，审核后原件返还，复印件留存。办理抵押登记手续所需材料，按照房地产交易登记管理部门要求提供(必要时留存原件)。2、审批:中心审查借款人提交的贷款申请材料齐全后，确定贷款额度。借款人交纳抵押物保险费或担保费、代理公司*费(委托中心招标选定的代理公司*抵押登记等手续的需交纳，下同)、预抵押登记费、抵押登记费、户籍图复制费、契税、房屋所有权证及他项权证工本费、印花税后，中心与借款人签订借款合同。3、抵押登记:代理公司持相关抵押登记书面文件到房地产交易登记管理部门办理预抵押登记手续，并将抵押返回材料转中心。4、放款:中心收到抵押登记材料后，委托银行以转账方式将贷款资金划至房地产开发企业指定的银行账户。

别对我假心假意 08-06 09:47

无锡公积金贷款流程：公积金管理中心领取申请表,然后由公积金管理中心审批,再去置业担保公司办理手续,再到公积金管理中心指定你去的银行办理公积金贷款的手续.   公积金贷款所需：1、买受人的*   2、买受人的户口本   3、买受人的婚姻证明（已婚的提供结婚证，未婚的提供未婚证）4、买受人的收入证明（一般是连续几期的收入证明）5.需提供原借款合同   贷款流程：   签定公积金贷款合同，填写一份住房公积金贷款申请审批表（要回单位盖章加意见），银行就会将你的申请送给当地住房公积金贷款审批中心，一般审批的时间会很长，审批过后，公积金贷款银行就会发放你的住房公积金贷款，就开始还款啦。有价证券和担保公司的证明，就是怕你换不起公积金贷款那部分款项，需要前两者的目的是降低他们放公积金的风险系数，怕到时候贷款收不回来，所以要提交有价证券或者是担保公司的证明。

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