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关于调整住房公积金贷款相关政策的通知

发布日期:2012年8月23日   来源:搜家园塔城房产网
为进一步减轻职工负担,简化贷款手续,为贷款职工提供方便、快捷的贷款服务,结合我市住房公积金贷款运行现状,决定对我市住房公积金贷款相关政策作如下调整:

      一、二手房住房公积金贷款要求买卖双方本人到场面谈审核制度原则不变。

      二、对个别卖房人确因特殊原因无法到场面谈的,可由借款人在乌鲁木齐房屋产权交易管理中心调取原始房屋交易资料。其内容包括:《乌鲁木齐市房产权属申请表(转移登记)》、原《房屋所有权证》复印件、《乌鲁木齐市房产转让合同书》。贷款专管员应对所提供上述资料,核实其房屋交易行为及《房屋转让合同》内容的真实性后,方可办理相关贷款手续。

      三、借款人申请一手房住房公积金贷款,担保方式为房产抵押担保的,其所提供的抵押房屋房龄在15年以下(含15年),贷款额度不得超过抵押房屋评估价值的70%;抵押房屋房龄在15年以上30(含30年)年以下的,贷款额度不得超过抵押房屋评估价值的60%;抵押房屋房龄30年以上的,不予抵押。

二0一0年九月二十五日

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