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无锡住房公积金贷款流程是怎样的？

无锡住房公积金贷款流程是怎样的？

浏览：31次 | 提问时间： 08-10 08:49

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劳资不爱别强求 08-10 08:50

无锡住房公积金贷款流程如下：购房贷款条件1、借款申请人必须符合以下任一公积金缴存情况：（1）在申请贷款之月前6个月向我中心按时、足额、连续缴存住房公积金，并且自申请贷款之月起前两年内不欠缴住房公积金；（2）借款申请人属外地转移至本市的，转移前6个月住房公积金按时、足额、连续缴存（单位汇缴），且在我中心已正常汇缴公积金至少一个月（汇缴状态为正常并无欠缴）。2、借款申请人所购住房是用于自住的普通住房；3、借款申请人是所购自住住房的房屋所有权人或共有权人（购房合同上作为买方签名盖章）；4、有稳定的经济收入来源和按时还本付息的能力；5、提供本中心认可的担保公司作还款保证或银行认可的有价证券作质押；6、借款申请人夫*双方不得有未还清的公积金贷款。注意事项1、购房面积小于90平方米且家庭首次购房的，需提交由中心统一查档后出具的“房屋权属登记*”（江阴分中心需由江阴房管部门出具）；2、借款申请人属外地转移至本市的，由外地住房公积金管理中心出具住房公积金缴交情况证明及缴交明细（必须由原单位在转移前6个月按时、足额、连续缴存）；3、借款申请人配偶为现役*人的，由部队政治部门或*务部门出具现役*官证明；4、自2020年4月22日起，符合贷款条件，二次公积金贷款执行基准利率；5、职工家庭已经办理二次及以上公积金贷款的，中心不再发放公积金贷款。6、职工家庭存在其它情况的，应提供中心要求的其他材料。

一步一个坑 08-10 08:58

别说出 08-10 09:06

住房贷款的申请条件: （一）购房合同建房批文。（二）交款收据（预交款要达到30%以上）。（三）购商品房、经济适用房，持《购买商品房登记备案介绍信》；购二手房持房照和房屋产权管理部门出具的有效交易凭证。（四）*、户口薄。（一）具有本市城镇常住户口或本市其他有效居留*明。（二）收入稳定，信用良好，有偿还贷款本息的能力。（三）借款人所在单位贷款余额原则上不得超过本单位归集遇额120% （四）借款人必须是在本市当地购、建或有偿动迁投资的自住住房。 (五）同意按照“中心”认可的担保方式进行担保。（六）“中心”或者受托银行规定的其他条件。公积金贷款的利率5年以下是4.77 5年以上是5.22 还是相对优越于商业银行的无锡市住房公积金管理中心地址：无锡市五爱路34号电话： 0【固定号码】82江阴市分中心江阴市地址：虹桥北路179号电话：868069958680宜兴市分中心地址：宜兴市宜城镇荆溪中桥南堍五局大院电话：879845958798锡山区管理部地址：东亭迎宾南路21号电话：887079458870惠山区管理部无锡市广瑞路52路电话： 824092338240服务网点上班时间：无锡市住房管理中心对外营业时间为周一至周五上午8：30-11：30 下午13：30-17：00希望能帮你。

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