公积金贷款怎么贷（公积金贷款购房具体办理流程）
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<p data-track="1" style="box-sizing: border-box; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); margin-top: 0px !important;"><span style="box-sizing: border-box; font-weight: 700; margin: 0px; padding: 0px; border: 0px;"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;">网友问政：</span></span></p><p data-track="2" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> 想公积金贷款购房，先买房还是先办理贷款?流程是什么?</span></p><p data-track="3" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> 市公积金管理中心回复：</span></p><p data-track="4" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> 您好，公积金缴存人购房后才能申贷。</span></p><p data-track="5" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> 本市公积金贷款申请业务流程如下：</span></p><p data-track="6" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; font-weight: 700; margin: 0px; padding: 0px; border: 0px;"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> (1)贷款受理。</span></span></p><p data-track="7" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> 借款申请人及共同申请人携带本人有效的身份证明、婚姻证明、银行卡及购房手续等资料到公积金委托贷款银行申请办理公积金贷款。</span></p><p data-track="8" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> 银行前台审核其贷款资格，符合贷款条件的受理贷款申请。</span></p><p data-track="9" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; font-weight: 700; margin: 0px; padding: 0px; border: 0px;"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> (2)贷款初审。</span></span></p><p data-track="10" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> 银行前台对初审合格的客户，办理面签手续(签订借款申请表、借款合同、借款借据、公积金对冲协议及公积金扣款协议)。并线上将初审合格的数据推送至中心审批科待复审。</span></p><p data-track="11" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> 初审不合格的告知其原因。</span></p><p data-track="12" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; font-weight: 700; margin: 0px; padding: 0px; border: 0px;"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> (3)贷款复审。</span></span></p><p data-track="13" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> 中心对初审通过的申请人的贷款资格、贷款额度、贷款期限进行复审。复审通过的，系统自动推动数据至银行前台待发放贷款;复审不通过的，由银行前台电话通知借款人并告知其原因。</span></p><p data-track="14" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; font-weight: 700; margin: 0px; padding: 0px; border: 0px;"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> (4)贷款发放。</span></span></p><p data-track="15" style="box-sizing: border-box; margin-top: 20px; margin-bottom: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> 以新房首付形式申请贷款的，审批通过后由银行直接发放贷款;已办理完不动产权证申请贷款的，审批通过后由市公积金中心向不动产中心发起电子抵押申请，待不动产中心返回电子抵押证明后，由银行发放贷款。</span></p><p data-track="16" style="box-sizing: border-box; margin-top: 20px; padding: 0px; border: 0px; color: rgb(34, 34, 34); font-family: "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "WenQuanYi Micro Hei", "Helvetica Neue", Arial, sans-serif; font-size: 18px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); margin-bottom: 0px !important;"><span style="box-sizing: border-box; margin: 0px; padding: 0px; border: 0px; color: #333333; --tt-darkmode-color: #A3A3A3;"> 贷款发放后短信通知借款人发放结果。</span></p>
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