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03 06

公积金贷款不需婚姻证明

  • 发布日期: 2019-03-06

青岛市住房公积金管理中心日前下发通知,为进一步简化贷款手续,申请人申贷时处于单身状态的,需由本人签署具结书,原则上不再提供相关婚姻关系证明材料。
 
Qingdao Municipal Housing Provident Fund Management Center recently issued a notice to further simplify the loan procedures, applicants in a single state when applying for loans, they need to sign a closing letter by themselves, in principle, no longer provide relevant marriage certificates.
 
 
 
青岛市住房公积金管理中心下发的 《关于明确贷款受理环节出具婚姻状况证明有关问题的通知》指出,自2015年9月18日起,我市民政部门不再出具(无)婚姻登记记录证明,且暂时无法实现部门间信息核查。为保证我市住房公积金贷款受理业务正常开展,进一步简化贷款手续,经研究,在相关部门进一步完善出台有关业务规定前,职工申贷环节出具婚姻状况证明有关事项按照以下规定办理。对申请人申贷时处于单身状态(包括未曾结婚、离异未再婚或丧偶未再婚)的,需由本人签署具结书,原则上不再提供相关婚姻关系证明材料,但对存在以下特殊情形的,需追加提供相关证明材料:(一)申请人提供的户口簿婚姻状况标注为已婚的;(二)人民银行征信系统信息中申请人婚姻状况为已婚的;(三)受理登记时,住房公积金综合交易系统提示曾有贷款记录,经查询发现存在夫妻双方申贷信息的。
 
Qingdao Housing Provident Fund Management Center issued the Notice on Issues Concerning Certification of Marriage Status in Clear Loan Acceptance Link, pointing out that since September 18, 2015, our civil affairs department has no longer issued (no) certification of marriage registration records, and temporarily unable to achieve inter-departmental information verification. In order to ensure the normal development of housing provident fund loan acceptance business in our city and further simplify the loan formalities, after research, before the relevant departments further improve and promulgate relevant business regulations, the employees'application for loans links issue marital status certificates and related matters are handled in accordance with the following provisions. If the applicant is single (including unmarried, divorced, remarried or widowed, remarried) at the time of applying for a loan, he or she shall sign and issue a written conclusion. In principle, he or she shall no longer provide relevant marriage relationship certification materials. However, if there are special circumstances, relevant certification materials shall be provided: (1) the marriage status of the registered permanent residence book provided by the applicant is marked as married; (2) the credit investigation system of the People's Bank of China. In the information, the applicant's marital status is married; (3) When accepting the registration, the comprehensive transaction system of housing provident fund indicates that there has been a loan record, and after inquiry, it is found that there is information of both husband and wife applying for loans.
 
 
 
存在上述情形的,申请人除签署具结书外,还需根据具体情形提供离婚证,或法院出具的 《民事判决书》、《民事调解书》,或其配偶的死亡证明、户籍注销证明等相关材料。如申请人对征信系统记载的婚姻状况有异议应进行异议处理。
 
In case of the above-mentioned situation, the applicant shall, in addition to signing and Issuing the concluding statement, provide the divorce certificate according to the specific circumstances, or the relevant materials such as the Civil Judgment, the Civil Mediation Letter issued by the court, or the death certificate of his spouse, the certificate of cancellation of his domicile, etc. If the applicant has any objection to the marital status recorded in the credit information system, the objection shall be dealt with.
 
 
 
申请人应本人到管理处现场签署具结书,并签名按指印。申请人无法到管理处现场签署具结书的,应通过公证书进行具结,或对本人签署的具结书进行公证。申请人申贷时处于已婚状态的,还应继续提供结婚证,对户口簿能体现夫妻关系的,可不再提供结婚证。
 
The applicant should go to the administrative office to sign and sign the closing document, and sign and print it. Where the applicant is unable to sign the concluding document at the administrative office, the concluding document shall be notarized by means of a notarial certificate or the concluding document signed by the applicant himself. If the applicant is in a married state when applying for a loan, he or she shall continue to provide a marriage certificate. If the household registration book can reflect the relationship between husband and wife, he or she may no longer provide a marriage certificate.


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