职工住房公积金贷款基本流程

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RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432pt;PADDING-RIGHT: 5.4pt;HEIGHT: 19.75pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="576"> 借款职工本人到住房公积金管理中心提出贷款申请

 

 

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RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432pt;PADDING-RIGHT: 5.4pt;HEIGHT: 47.25pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="576"> 符合贷款条件的职工领取《住房公积金个人贷款申请表》和需要提供资料的清单

 

 

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RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432pt;PADDING-RIGHT: 5.4pt;HEIGHT: 15.75pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="576"> 借款人联系中心指定的评估机构对用于抵押的房产进行评估

 

 

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: auto auto auto 14.4pt;PADDING-LEFT: 0px;WIDTH: 432pt;PADDING-RIGHT: 0px;BORDER-COLLAPSE: collapse;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px" border="1" cellspacing="0" cellpadding="0" width="576">

RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432pt;PADDING-RIGHT: 5.4pt;HEIGHT: 78pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="576"> 借款人填写《住房公积金个人贷款申请表》加盖公章，并提供贷款所需资料的原件，复印件一式两份，原件审核后当即退还借款人

 

 

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RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432pt;PADDING-RIGHT: 5.4pt;HEIGHT: 54.75pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="576"> 中心接收职工贷款资料在十五个工作日内经三级审查后作出是否准予贷款的决定

 

 

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RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432pt;PADDING-RIGHT: 5.4pt;HEIGHT: 54pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="576"> 中心将准予贷款的职工贷款资料转交受委托贷款银行通知借款人办理贷款手续

 

 

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: auto auto auto 14.4pt;PADDING-LEFT: 0px;WIDTH: 432pt;PADDING-RIGHT: 0px;BORDER-COLLAPSE: collapse;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px" border="1" cellspacing="0" cellpadding="0" width="576">

RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432pt;PADDING-RIGHT: 5.4pt;HEIGHT: 54.75pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="576"> 贷款银行审查职工贷款资料后，通知经审合格的职工签订《借款合同》、《抵押合同》、《扣划款协议》

 

 

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: auto auto auto 14.4pt;PADDING-LEFT: 0px;WIDTH: 432pt;PADDING-RIGHT: 0px;BORDER-COLLAPSE: collapse;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px" border="1" cellspacing="0" cellpadding="0" width="576">

RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432pt;PADDING-RIGHT: 5.4pt;HEIGHT: 70.5pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="576"> 如果职工用于抵押房产是公有住房及经济适用住房的，须持《房屋产权证》、《土地使用证》、《借款合同》、《抵押合同》到产权产籍管理部门申请并填写《公有住房及经济适用住房抵押申请表》

 

 

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: auto auto auto 14.4pt;PADDING-LEFT: 0px;WIDTH: 432pt;PADDING-RIGHT: 0px;BORDER-COLLAPSE: collapse;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px" border="1" cellspacing="0" cellpadding="0" width="576">

RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432pt;PADDING-RIGHT: 5.4pt;HEIGHT: 54.75pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="576"> 如果职工用于抵押的房产是第三人的房产的，须持《房屋产权证》、《土地使用证》、《借款合同》、《抵押合同》到公证处办理公证手续

 

 

RDER-BOTTOM: medium none;BORDER-LEFT: medium none;PADDING-BOTTOM: 0px;MARGIN: auto auto auto 14.4pt;PADDING-LEFT: 0px;WIDTH: 432pt;PADDING-RIGHT: 0px;BORDER-COLLAPSE: collapse;BORDER-: medium none;BORDER-RIGHT: medium none;PADDING-: 0px" border="1" cellspacing="0" cellpadding="0" width="576">

RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432pt;PADDING-RIGHT: 5.4pt;HEIGHT: 54pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="576"> 职工持《借款合同》、《抵押合同》、《公有住房及经济适用住房抵押申请表》、《公证书》等到西昌市房管局办理《房屋抵押它项权证》

 

 

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RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432.75pt;PADDING-RIGHT: 5.4pt;HEIGHT: 34.55pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="577"> 借款银行以转帐的方式将贷款转入售房单位或售房人账户

 

 

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RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;PADDING-BOTTOM: 0cm;BACKGROUND-COLOR: transparent;MARGIN: 0px auto;PADDING-LEFT: 5.4pt;WIDTH: 432pt;PADDING-RIGHT: 5.4pt;HEIGHT: 62.25pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;PADDING-: 0cm" valign="top" width="576"> 职工根据《扣划款协议》按月将应还本息额存入还款账户，保证贷款银行能够实施扣款

 

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