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兰州二手房公积金贷款流程有哪些

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兰州二手房公积金贷款流程有哪些

浏览：61次 | 提问时间： 06-22 09:10

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3个答案

不俗 06-22 09:11

兰州二手房公积金贷款流程一、借款人到住房公积金中心咨询,领取申请表：由房屋买卖双方及配偶(未婚或离异应出具证明)，持卖方名下的《房屋所有权证》、《国有土地使用证》两证原件，以及户口薄、身份证和结婚证原件，到市住房公积金中心进行预登记，领取公积金贷款申请表。二、借款人向市资金中心提交以下贷款资料：(1)公积金贷款申请表；(2)公积金缴存证明(或住房公积金对账簿)及经济收入证明；(3)所购房屋的评估报告书；(4)买卖双方签定的《存量房购房合同》；(5)原卖方名下的《房屋所有权证》、《国有土地使用证》(原件及复印件)；(6)夫妻双方身份证、户口薄、婚姻证明(原件及复印件，单身职工应提供单身证明。)三、住房公积金中心受理审批：市住房公积金中心受理借款申请人资料，审批确定贷款额度及年限。四、交易过户:房屋买卖双方到房产局及土地局办理“两证”交易过户手续。五、签订合同：借款人持已办理交易过户的“两证”及契税完税发票(原件及复印件)到市住房公积金中心，由市住房公积金中心出具贷款承诺书到指定银行签订《借款合同》、《抵押合同》等贷款文件，卖方在贷款银行开立存款专户。六、办理抵押：借款人到房产局办理抵押房屋登记并领取《房屋他项权证》。七、发放贷款：贷款手续全部办妥后，由市住房公积金中心将贷款资金通过银行直接划转到卖房方已开立的存款专户内。

柠萌 06-22 09:19

贷款表格领取(公积金中心)借款人持二手房买卖契约、房地产评估报告到公积金中心服务大厅贷款业务受理窗口领取《职工住房公积金贷款审批表》贷款受理及审批(公积金中心)借款人持填写完整的《贷款审批表》及相关资料到公积金中心服务大厅贷款窗口办理审批手续。签订借款合同(贷款承办银行)借款人持公积金中心审批后的《贷款审批表》及相关资料到自选贷款承办银行办理借款手续。签订担保合同(房管局担保公司)借款人持《贷款审批表》、《借款合同》及个人相关资料到公积金中心服务大厅担保公司窗口办理担保手续。抵押登记(产权登记部门)借款人持借款合同、担保手续等相关材料，到房管部门办理抵押登记手续。贷款发放(贷款承办银行或担保公司)借款人持《借款合同》、《抵押合同》、《房屋他项权证》到贷款承办银行办理放款手续，持银行划款单据到产权处担保公司办理付款手续。贷款回收(贷款承办银行)借款人按借款合同约定按月(年)偿还贷款本息。抵押注销(产权登记部门)借款人清偿全部贷款本息后，持《房屋他项权证》和银行出具的还清贷款证明等相关资料，到产权登记部门办理注销登记。申请二手房贷款需提供的资料：买卖契约、产权证、土地证、评估报告、身份证、户口簿或有效居留证件、婚姻状况证明。

柠萌 06-22 09:27

签订购房合同、首付房款----凭前面两个材料(首付款需要是正式发票)、身份证、公积金卡、结婚证或单身证明等资料申请公积金贷款----审批申请、确定贷款额度、贷款时间----去贷款银行开具贷款人与共同贷款人的信用证明----与公积金中心指定的担保公司签订公积金贷款担保合同、支付担保费----选择贷款银行、与银行签订贷款合同、开贷款账户----等待银行审批、贷款到账(贷款直接划到你购房的开发商账户上，你的银行账户是用来还贷的)以上程序顺利的话半天就可以办好，所有手续基本都可在公积金中心大厅办理完，贷款到账稍微需要等待几日，最多也不会超过两周。但是，你最好先去公积金中心咨询好，看需要什么手续与条件，准备还所有材料，这样就不需要再来回跑，返工所有手续、材料等，希望有用

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