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深圳7家银行可办公积金贷款 首付最低两成

2012-10-15 11:50:56       浏览次数:   我要评论()
摘要: 9月28日,深圳市住房公积金贷款业务上线试运行当天,农业银行深圳市分行分别在深圳市住房公积金管理中心...

    9月28日,深圳市住房公积金贷款业务上线试运行当天,农业银行深圳市分行分别在深圳市住房公积金管理中心福田、宝安、龙岗三个办事大厅成功办理了首笔公积金组合贷款业务。

 

    据了解,9月28日,包括中行、农行、工行、建行、交行、招行及平安银行与深圳市住房公积金管理中心签约并获得开办公积金贷款业务资格。这也意味着今后市民可在上述7家银行办理公积金贷款业务。

 

    非深户籍准入和最低两成首付成亮点

 

    据农行相关人士介绍,深圳市住房公积金贷款业务具有非深户籍准入和最低两成首付两个突出亮点。在深圳市缴存公积金的非深户籍职工只要能够提供在深圳1年以上纳税证明或社会保险缴纳证明也可按规定申请公积金贷款;使用公积金贷款购买首套普通自住房,且套型建筑面积在90平方米以下的,贷款首付款比例最低可以达到20%。此外,职工申请公积金贷款时,将从公积金业务系统中直接调取职工缴存情况,无须再提供收入证明、工作证明等资料,办贷手续简单。

 

    据了解,缴存公积金的职工可通过公积金中心网上办事大厅进行预约,并在约定时间携带相关申请材料,就近前往办事大厅咨询窗口进行公积金贷款业务申请。符合条件的职工家庭可申请最高90万元的住房公积金贷款。职工贷款金额需求超过90万元的部分,7家公积金委托贷款银行可提供公积金组合贷款融资方案,全面满足职工的购房贷款需求。除了能到公积金中心咨询公积金贷款业务外,职工也可到公积金委托贷款银行各网点咨询办理业务。

 

    签约银行积极开办公积金贷款业务

 

    交通银行深圳市分行相关负责人介绍,交通银行深圳市分行在全市的50个网点均可接受公积金贷款业务咨询。目前,交通银行与已在住房公积金管理中心备案的一手楼盘中的多数均有合作;对于其他还未在公积金中心备案的合作楼盘,该行也正牵线搭桥,力争这些楼盘早日在住房公积金管理中心备案。

 

    此外,该行还力推个人贷款的综合性服务产品组合品牌“交银圆梦贷”。据悉,“交银圆梦贷” 除能够为住房公积金缴存职工提供住房公积金贷款外,还可提供满足其购房、买车、装修、购买家电家具、教育助学等消费需求的全方位金融服务。该行将充分发挥“圆梦贷”产品的功能和优势,重点面向公积金缴存职工开办专门的“圆梦贷”绿色通道,设计相应的“圆梦贷”组合产品。同时,该行还推出了优先受理商业贷款申请、对于优质客户可享受更多的优惠政策、简化贷款审批流程、赠送小额信用消费贷款额度等系列优惠措施。

 

    农业银行专门针对公积金贷款业务推出了“公贷通”,为客户提供业务咨询、房产评估询价、公积金组合贷款融资方案等各项专业服务,方便职工轻松办理公积金贷款

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freemarker.core.MixedContent.accept(MixedContent.java:92) at freemarker.core.Environment.visit(Environment.java:210) at freemarker.core.Environment.process(Environment.java:190) at freemarker.template.Template.process(Template.java:237) at sufei.zggjj.common.web.springmvc.SimpleFreeMarkerView.renderMergedTemplateModel(SimpleFreeMarkerView.java:114) at org.springframework.web.servlet.view.AbstractTemplateView.renderMergedOutputModel(AbstractTemplateView.java:167) at org.springframework.web.servlet.view.AbstractView.render(AbstractView.java:250) at org.springframework.web.servlet.DispatcherServlet.render(DispatcherServlet.java:1047) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:817) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:719) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:644) at org.springframework.web.servlet.FrameworkServlet.doGet(FrameworkServlet.java:549) at javax.servlet.http.HttpServlet.service(HttpServlet.java:617) at javax.servlet.http.HttpServlet.service(HttpServlet.java:723) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:290) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206) at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:198) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:76) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:76) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206) at sufei.zggjj.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:38) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206) at org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:233) at org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:191) at org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:127) at org.apache.catalina.valves.ErrorReportValve.invoke(ErrorReportValve.java:103) at org.apache.catalina.valves.AccessLogValve.invoke(AccessLogValve.java:615) at org.apache.catalina.core.StandardEngineValve.invoke(StandardEngineValve.java:109) at org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:293) at org.apache.coyote.http11.Http11Processor.process(Http11Processor.java:861) at org.apache.coyote.http11.Http11Protocol$Http11ConnectionHandler.process(Http11Protocol.java:606) at org.apache.tomcat.util.net.JIoEndpoint$Worker.run(JIoEndpoint.java:489) at java.lang.Thread.run(Thread.java:662) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor404.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:25) at java.lang.reflect.Method.invoke(Method.java:597) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:840) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:276) at freemarker.ext.beans.BeanModel.get(BeanModel.java:183) ... 45 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [sufei.zggjj.cms.entity.main.CmsUser#3765] at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:419) at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:154) at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:143) at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:174) at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190) at sufei.zggjj.cms.entity.main.CmsUser_$$_javassist_39.getUsername(CmsUser_$$_javassist_39.java) ... 51 more