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南通住房公积金贷款流程是怎样的？

南通住房公积金贷款流程是怎样的？

浏览：38次 | 提问时间： 08-10 08:47

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爱我别碍我 08-10 08:48

个人住房公积金贷款买房的流程‍：　　1、初审：　　由住房资金管理中心对申请人提交的材料进行初步审查，包括申请人资格、贷款额度、贷款期限，初审合格以后，由中心出具《抵押物审核评估通知单》。　　2、评估：　　申请人持《抵押物审核评估通知单》到中心指定的评估机构，对所购买的房屋价值进行评估。经济适用房不需要评估。　　3、审核：　　申请人持评估机构出具的《评估报告》以及中心要求的初审材料到中心进行贷款审核。如果合格，中心开具《住房资金管理中心担保委托贷款调查通知单》。　　4、办理担保手续：　　申请人持《住房资金管理中心担保委托贷款调查通知单》，按照自己选择的担保方式办理担保手续。如果选择抵押＋保证的方式，保证人应该出具书面的担保函；如果选择抵押＋保险或第三人保证的方式，应该到保险公司投保或到担保机构办理委托担保手续。　　5、签订借款合同。　　6、住房资金管理中心与受托行签订委托贷款协议。　　7、借款人直接向住房资金管理中心提出贷款申请，受托行业可根据需要，代为收集借款人申请*，统一交住房资金管理中心审核、审批。　　8、住房资金管理中心对每笔贷款金额、期限、利率审批同意后，与受托行签订委托贷款合同。　　9、受托行按照委托贷款合同约定，与借款人分别签订《住房公积金委托贷款抵押合同》、《住房公积金委托贷款质押合同》和《住房公积金委托贷款保证合同》后，办理借款手续。

低垂了泪光 08-10 08:56

您好，在南通办理个人住房公积金贷款的流程是：1、申请人携*到南通管理中心咨询、申请、填写申请表；2、南通管理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南通当地的银行签订合同等、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）等到南通宿迁市房地产管理处办理抵押登记；6、申请人持登记后的借款合同（抵押合同）和公*到南通的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。

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南通住房公积金贷款流程是怎样的？

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