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办公积金贷款流程
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法律分析:公积金贷款办理流程:初审、评审、复核、办理担保手续、签订贷款合同,住房公积金管理中心与受托银行签订委托贷款协议。借款人直接向住房公积金管理中心申请贷款,受托行业可以收集借款人的申请材料。并报住房公积金管理中心进行审批,住房公积金管理中心审核每笔贷款的金额、期限和利率后,与受托银行签订委托贷款合同。最后将贷款直接划入卖方在受托银行开立的指定账户。
法律依据:《住房公积金管理条例》第五条:住房公积金应当用于职工购买、建造、翻建、大修自住住房,任何单位和个人不得挪作他用。
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更新时间:2025/5/2 14:27:03