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厦门异地公积金贷款买房流程哪位朋友熟悉？

厦门异地公积金贷款买房流程哪位朋友熟悉？

浏览：37次 | 提问时间： 08-06 11:32

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永远不久我伴你走三寸执念mello 08-06 11:33

你好，一般来说住房公积金贷款买房的流程是:1)借款人到单位交存住房公积金的住房资金管理(分)中心提出申请,介绍本人情况、领取材料。2)准备齐全的*材料,交住房资金管理(分)中心审核,包括核验借款申请表、购房行为是否合法、核定贷款额度和期限、确定贷款担保方式等。需要评估的贷款,由指定评估机构进行评估。3)初审合格,住房资金管理中心开具调查通知单,由受托银行对借款人进行调查,并指导借款人填写有关贷款合同。调查内容包括:核实收入情况有保证的人,保证人是否具有保证资格等。4)经受银行调查合格,受托行出具调查意见递交住房资金管理(分)中心,由住房资金管理(分)中心审批。5)审批通过,住房资金管理(分)中心签发委托贷款通知单。银行通知借款人办理放贷手续。6)借款合同生效,住房资金管理(分)中心将资金划入委托贷款基金账户,再由受托行将资金划入开发商账户。7)借款人按照规定的方式按时归还借款。

值得被留念 08-06 11:42

异地申请住房公积金贷款流程：　　职工在就业地(缴存地)缴存、在户籍所在地(贷款地)购买自住住房的，可凭缴存地公积金缴存证明向贷款地公积金管理中心申请公积金个人或租房贷款。　　贷款地公积金管理中心受理审批住房公积金异地贷款时，缴存地公积金管理中心应出具该职工及其配偶在当地的住房公积金缴存和贷款情况证明以及其他相关*。　　办理公积金异地贷款所需*有：　　1、申请审批表(盖单位行政公章)(3份);　　2、申请人家庭及社会关系调查表(3份);　　3、购房合同复印件(3份)备案原件;　　4、申请人及配偶*正反两面复印件(3份)原件;　　5、职工住房公积金缴存及贷款情况证明(3份);　　6、申请人提供一名常驻本行政区域内且在本中心缴存住房公积金的固定联系人的*复印件及联系号码(3份);　　7、婚姻证明复印件(未婚、离异的，需提供借款人户籍所在地民政部门证明)(3份)原件;　　8、加盖借款人及配偶单位公章的月工资证明(月工资5000元以上的需提供加盖单位公章的近3个月工资明细表)(3份);　　9、首付款收据复印件(3份);　　10、个人征信业务授权书(临柜填写，夫*各一份);　　11、信用报告查询申请表(临柜填写，夫*各一份)。　　异地贷款户购买二手房的，除提供上述*外，还需提供评估报告(3份)。谢谢额

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