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青岛市公积金贷款流程主要有哪些，谁能详细介绍下？

青岛市公积金贷款流程主要有哪些，谁能详细介绍下？

浏览：37次 | 提问时间： 08-07 03:09

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握不住的沙不如放了它 08-07 03:10

青岛市公积金贷款流程：1、贷前咨询可通过以下两个途径（1）申请人持本人及配偶的有效*到市管理中心辖区管理处打印住房公积金查询单；工作人员审核申请人贷款资格，计算可贷额度；符合贷款条件，发给申请人《青岛市住房公积金贷款申请审批表》。（2）申请人及配偶登陆市管理中心网站，计算可贷额度，*并打印《青岛市住房公积金贷款申请审批表》。 2、贷款受理、审核借款人持《贷款申请审批表》和根据所购房屋类型及区域应提供的材料，向市管理中心辖区管理处提出申请（已婚借款人，须配偶同时到场协同办理；共有产权的，也须共有产权人同时到场办理）；工作人员受理审核后，收取相关材料，出具预审意见。组合贷款需借款人分别向市管理中心和银行提出申请。 3、贷款审批、签订合同提示：借款人申请住房公积金贷款时，若所购住房存在土地抵押，在贷款申请受理后，应持《青岛市住房公积金贷款预审意见》先到售房单位办理土地撤押手续，然后返回签订《青岛市住房公积金贷款抵押借款合同》。市管理中心辖区管理处依据授权审批贷款。通过后，与申请人签订《青岛市住房公积金抵押借款合同》，合同各方盖章。组合贷款应分别与市管理中心和贷款银行签订《借款合同》，借款人分别偿还住房公积金贷款和银行贷款。 4、抵押登记申请人持手续齐全的贷款材料和各区域抵押登记所需材料，到辖区房产抵押登记部门办理房屋抵押登记手续。 5、贷款发放抵押登记手续办妥，取得抵押*明材料后，办理划款手续，工作人员通知借款人领取贷款划付凭证，此后借款人按合同约定还款。 6、结清贷款办理撤押希望对你有帮助！

姐缺的不是空气是霸气 08-07 03:19

一般流程是新房子跟开发商签订商品房*合同后，手续有开发商*，银行会通知你是否放贷，准备你的*、手章、买房的这些合同，工资收入证明等等，外地人还需要暂住证跟也许的担保人。公积金贷款跟以上类似，只是钱是从银行贷出来的，但是是以您个人或者夫*的名义向公积金管理中心贷的，你每月还的钱是走你公积金账户的。你签合同的时候需要跟公积金签订委托提取协议跟相关的材料，借款合同是你跟当地的银行签订的。有点复杂，但是不用理解太深刻，公积金贷款利息低，很适合家庭贷款，不过放款时间稍微长点。二手房跟上述类容差不多，只是需要你签订二手房*协议，现在大多数的是找中介去跑这些业务的。

恐婚 08-07 03:27

1、”住房公积金贷款申请审批表”3份，住房公积金管理中心现场填写。2、交易双方夫*二人户口簿、*、结婚证原件及3份复印件，住房公积金卡。3、与房屋产权所有人（包括住房共有人）签订的合法、有效的房屋交易合同原件3份；交易房屋的共有人未在房屋交易合同上签字的，需提供其同意*的书面证明原件3份。4、交易房屋的权属*，即《房屋所有权证》原件及3份复印件。共有的房屋，要提供《房屋共有权证》原件及3份复印件。5、预付购房款票据、契税完税证原件及3份复印件。

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青岛市公积金贷款流程主要有哪些，谁能详细介绍下？

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青岛市公积金贷款流程主要有哪些，谁能详细介绍下？