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三、_blank class=infotextkey>get=_blank class=infotextkey>申请所_blank class=infotextkey>get=_blank class=infotextkey>需要_blank class=infotextkey>get=_blank class=infotextkey>提供的_blank class=infotextkey>材料
（一）外_blank class=infotextkey>get=_blank class=infotextkey>地市缴存职工在_blank class=infotextkey>get=_blank class=infotextkey>西安_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>异_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>需要_blank class=infotextkey>get=_blank class=infotextkey>提供的_blank class=infotextkey>材料：
1、缴存_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心授权的《_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>异_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>申请表》（见_blank class=infotextkey>get=_blank class=infotextkey>附表一）；
_blank class=infotextkey>get=_blank class=infotextkey>2、缴存_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心出具的《职工_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金缴存及_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>证明》（见_blank class=infotextkey>get=_blank class=infotextkey>附表二）；
_blank class=infotextkey>3、借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>及其配偶的_blank class=infotextkey>get=_blank class=infotextkey>居民_blank class=infotextkey>get=_blank class=infotextkey>身份证；
4、借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>及其配偶的_blank class=infotextkey>get=_blank class=infotextkey>户口簿；
5、借款_blank class=infotextkey>get=_blank class=infotextkey>人婚姻状况_blank class=infotextkey>get=_blank class=infotextkey>证明；
6、借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>及其配偶的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入_blank class=infotextkey>get=_blank class=infotextkey>证明；
7、_blank class=infotextkey>get=_blank class=infotextkey>银行打印的借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>及其配偶的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信用状况_blank class=infotextkey>get=_blank class=infotextkey>报告；
8、_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>首付款_blank class=infotextkey>get=_blank class=infotextkey>证明；
9、符_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>法律_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋_blank class=infotextkey>get=_blank class=infotextkey>买卖_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同或_blank class=infotextkey>get=_blank class=infotextkey>协议；
_blank class=infotextkey>get=_blank class=infotextkey>10、_blank class=infotextkey>get=_blank class=infotextkey>西安_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心_blank class=infotextkey>get=_blank class=infotextkey>要求_blank class=infotextkey>get=_blank class=infotextkey>提供的_blank class=infotextkey>get=_blank class=infotextkey>其他_blank class=infotextkey>材料。
（二）本_blank class=infotextkey>get=_blank class=infotextkey>地缴存职工在外_blank class=infotextkey>get=_blank class=infotextkey>地市_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>异_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>贷款开《职工_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金缴存及_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>证明（_blank class=infotextkey>get=_blank class=infotextkey>异_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房）》_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>需要_blank class=infotextkey>get=_blank class=infotextkey>提供的_blank class=infotextkey>材料：
1、填写《_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>异_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>申请表》；
_blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>夫妻_blank class=infotextkey>get=_blank class=infotextkey>双方_blank class=infotextkey>get=_blank class=infotextkey>身份证、_blank class=infotextkey>get=_blank class=infotextkey>结婚证_blank class=infotextkey>原件；
_blank class=infotextkey>3、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商品_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>买卖_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同或_blank class=infotextkey>get=_blank class=infotextkey>首付款票据。
四、省内_blank class=infotextkey>get=_blank class=infotextkey>异_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>办理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程
（一）_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>申请。借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>按照本_blank class=infotextkey>get=_blank class=infotextkey>须知_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>第三项_blank class=infotextkey>get=_blank class=infotextkey>要求，向_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>地的_blank class=infotextkey>get=_blank class=infotextkey>西安_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心_blank class=infotextkey>get=_blank class=infotextkey>业务委托_blank class=infotextkey>get=_blank class=infotextkey>银行提交_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>资料。
（二）_blank class=infotextkey>get=_blank class=infotextkey>贷款受理、_blank class=infotextkey>get=_blank class=infotextkey>审核和审批。_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心_blank class=infotextkey>收到_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>资料后在15个_blank class=infotextkey>get=_blank class=infotextkey>工作日内作出准予或_blank class=infotextkey>不准予_blank class=infotextkey>get=_blank class=infotextkey>贷款的_blank class=infotextkey>get=_blank class=infotextkey>决_blank class=infotextkey>定，并_blank class=infotextkey>通知借款_blank class=infotextkey>get=_blank class=infotextkey>人及缴存_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心；准予_blank class=infotextkey>get=_blank class=infotextkey>贷款的，由受委托_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>通知借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>办理相关_blank class=infotextkey>get=_blank class=infotextkey>手续。
（三）放款。借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋抵押_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同生效后，_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>按照借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同约_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间，将借款_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金以转账_blank class=infotextkey>get=_blank class=infotextkey>方式划转到售_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>单位（_blank class=infotextkey>get=_blank class=infotextkey>人）按_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定开立的账户内。
五、_blank class=infotextkey>get=_blank class=infotextkey>贷款额度、_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率和_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限
_blank class=infotextkey>get=_blank class=infotextkey>贷款额度_blank class=infotextkey>get=_blank class=infotextkey>按照_blank class=infotextkey>get=_blank class=infotextkey>西安_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心相关_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定执行。
_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率按_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>人民_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定执行。_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>期内遇_blank class=infotextkey>法_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>调整，_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限为一年（_blank class=infotextkey>get=_blank class=infotextkey>含）的_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>调整；一年以_blank class=infotextkey>get=_blank class=infotextkey>上的于次年1月1日起按相应_blank class=infotextkey>get=_blank class=infotextkey>利率档次执行_blank class=infotextkey>get=_blank class=infotextkey>新的_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定。
_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限_blank class=infotextkey>最长_blank class=infotextkey>30年，_blank class=infotextkey>原则_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不得_blank class=infotextkey>get=_blank class=infotextkey>超过其年龄距_blank class=infotextkey>法_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>退休年龄的_blank class=infotextkey>get=_blank class=infotextkey>剩余年_blank class=infotextkey>get=_blank class=infotextkey>限，但对距_blank class=infotextkey>法_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>退休年龄_blank class=infotextkey>get=_blank class=infotextkey>剩余年_blank class=infotextkey>get=_blank class=infotextkey>限在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>10年以_blank class=infotextkey>get=_blank class=infotextkey>内的职工，经本_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>申请，可延长至_blank class=infotextkey>法_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>退休年龄后_blank class=infotextkey>get=_blank class=infotextkey>5年。
六、_blank class=infotextkey>get=_blank class=infotextkey>贷款偿还
借款_blank class=infotextkey>get=_blank class=infotextkey>人应_blank class=infotextkey>get=_blank class=infotextkey>按照借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同的约_blank class=infotextkey>定，按期将_blank class=infotextkey>get=_blank class=infotextkey>每月应还款本息存入在_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>银行开设的还款账户内。
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