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南昌公积金贷款流程哪位了解？

南昌公积金贷款流程哪位了解？

浏览：57次 | 提问时间： 08-07 03:06

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趁现在止风雨 08-07 03:07

流程如下： 1申请。到公积金管理中心领取《住房公积金装修贷款申请审批表》按表填写并准备相关材料，确定贷款金额; 2审批。住房公积金管理中心对提交上来的申请进行审批，其中最重要的就是要审批装修合同及各类*的真实性。 3 签订贷款合同。住房公积金管理中心审批同意后，通知借款人与银行签订借款合同。并办理合同公证、抵押物保险等相关手续。 4担保。确定担保物、担保人等。 5银行放款。 6按月还款。希望能帮助到你。

爱别歉疚 08-07 03:15

1.具有该市的户口和有效* 2.申请时连续缴纳6个月以上住房公积金，没有公积金贷款余额。 3.有购买房的房产证或购房协议，且已经缴纳了购房款的30%首付。 4.信誉良好，有贷款偿还能力。 5.同意提供住房公积金管理中心认可的贷款担保方式。注意：公积金贷款额度小于等于房款总价的70%，如购买二手房贷款额度小于等于房款总价的60%，购买第二套住房贷款额度小于等于房款总价的40%。个人贷款最高额度35万，夫*双方最高额度45万，贷款办理需要借款人、配偶、同时到场办理。要是有特殊情况不能到场办理的，要出具公证委托书。

当初我真瞎 08-07 03:24

南昌公积金贷款流程：1、申请人携*到管理中心咨询、申请、填写申请表；2、中心审批后向申请人发放委托通知书；3、申请人领取通知书后携带所有原件到银行签订合同等、同时在公证处办理公证手续；4、申请人持签定好的合同*等到房屋出卖人处盖章；5、申请人持保证后的借款合同（抵押合同）等到宿迁市房地产管理处（建设大厦西裙楼房地产交易大厅）办理抵押登记；6、申请人持登记后的借款合同（抵押合同）和公*到住房公积金服务大厅领取划款通知书，最后持划款通知书到银行办理划款手续。二、申请个人住房公积金贷款的条件1、需正常缴纳住房公积金一年以上，且在申请贷款前一年内未提取住房公积金；2、购买本市城镇自住住房，并有符合法律规定的购房合同；3、职工申请住房贷款时，需已缴纳房价30％以上的预付款；4、借款人同意以所购房屋作为贷款抵押，并办理借款公证等手续；5、借款人有稳定的职业、经济收入和偿还贷款本息的能力；6、管理中心规定的其他条件。三、申请个人住房公积金贷款需提供的*1、购买住房的合同原件4份；2、首期付款收据原件及复印件3份，银行缴款凭证原件及复印件2份；3、借款人及配偶的户口簿、*的原件和复印件各4份，以及婚姻证明原件和复印件4份；4、申请人在贷款承办银行开立的可用于银行代扣还贷的储蓄存折及复印件1份；5、保证函1份（根据要求提供）；6、房屋抵押登记和公证等手续；7、住房公积金管理中心需要的其它*。

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