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“商转公”贷款的“直还”模式办理为什么相对复杂？
<p class="MsoNormal" align="justify" style="text-indent:32.0000pt;mso-char-indent-count:2.0000;text-align:justify; text-justify:inter-ideograph;line-height:29.0000pt;mso-line-height-rule:exactly;"><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">“商转公”</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">贷款</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">业务</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">不属于住房公积金的基本业务范畴，一般采用</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">“</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">先还再贷</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">”</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">模式。</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">郑州公积金中心</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">为</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">帮助解决</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:'Lucida Sans';mso-ansi-font-weight:normal;mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">商</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:'Lucida Sans';mso-ansi-font-weight:normal;mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">贷购房</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:'Lucida Sans';mso-ansi-font-weight:normal;mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">家庭自筹资金问题</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:'Lucida Sans';mso-ansi-font-weight:normal;mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">，</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">推出了</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">“</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">直还</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">”</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">模式，</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">即用公积金结清</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">商</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">贷</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">余额</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">，把商贷</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">转</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">换</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">为</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">公积金贷款，降低缴存</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">职工</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">购房利息支出</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">。</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">“直</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">还</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">”模式相对复杂主要原因在于需要用公积金替</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">商贷</font></span><span style="font-family: "Times New Roman"; font-size: 16pt;"><font face="仿宋_GB2312">借款</font></span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">人</span><span style="font-family: "Times New Roman"; font-size: 16pt;"><font face="仿宋_GB2312">结</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">清</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">贷款，所以有</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">两个环节必不可少</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">：</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">一是需要提供</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">《同意提前结清商业贷款函》</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">，内容包括</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">还款银行</span><span style="font-family: "Times New Roman"; font-size: 16pt;"><font face="仿宋_GB2312">资金接收</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">账号</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">、贷款余额</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">等</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">信息</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">。二是涉及抵押权转移。原商贷已将房产抵押给了银行，</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">公积金中心重新办理房屋抵押后才能放款，</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">需要商业银行同意办理原房屋顺位抵押，必须取得</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">《</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:仿宋;mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">同意办理顺位抵押函</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">》</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">。</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
“商转公”贷款办理材料精简了哪些？
<p class="MsoNormal" align="justify" style="text-indent:32.0000pt;mso-char-indent-count:2.0000;text-align:justify; text-justify:inter-ideograph;line-height:29.0000pt;mso-line-height-rule:exactly;"><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;"><font face="Times New Roman">2025</font><font face="仿宋_GB2312">年</font><font face="Times New Roman">7</font><font face="仿宋_GB2312">月</font></span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;">9</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">日</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">起</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">，</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">申请</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">郑州住房公积金</font><font face="仿宋_GB2312">“商转公”</font></span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">业务</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">更便捷。</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">采用</font><font face="Times New Roman">“</font><font face="仿宋_GB2312">先还再贷</font><font face="Times New Roman">”</font><font face="仿宋_GB2312">模式的，</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">仅</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">需提供</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">借款人、配偶及共有人</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">的</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">身份证</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">原件</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">，即可</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">到郑州市各</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">政务</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">服务中心</font></span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">公积金窗口</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">申请办理</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">，</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">纸质材料</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">减免了</font>9<font face="仿宋_GB2312">项；采用</font><font face="Times New Roman">“</font><font face="仿宋_GB2312">直还</font><font face="Times New Roman">”</font><font face="仿宋_GB2312">模式的，提供</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:仿宋;mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">借款人、配偶及共有人</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">身份证</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">原件</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">和</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">银行出具的《同意提前结清商业贷款函》</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">《同意办理顺位抵押函》，即可</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">到郑州市各</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">政务</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">服务中心</font></span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">公积金窗口</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">申请办理</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">，</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">纸质材料</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">减免了</font>8<font face="仿宋_GB2312">项。</font></span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
非营利组织免税资格认定需要准备哪些资料？
<p style="text-indent: 2em; text-align: left;">申请享受免税资格的非营利组织，需报送以下材料：<br/>（一）申请报告；<br/>（二）事业单位、社会团体、基金会、社会服务机构的组织章程或宗教活动场所、宗教院校的管理制度；<br/>（三）非营利组织注册登记证件的复印件；<br/>（四）上一年度的资金来源及使用情况、公益活动和非营利活动的明细情况；<br/>（五）上一年度的工资薪金情况专项报告，包括薪酬制度、工作人员整体平均工资薪金水平、工资福利占总支出比例、重要人员工资薪金信息（至少包括工资薪金水平排名前10的人员）；<br/>（六）具有资质的中介机构鉴证的上一年度财务报表和审计报告；<br/>（七）登记管理机关出具的事业单位、社会团体、基金会、社会服务机构、宗教活动场所、宗教院校上一年度符合相关法律法规和国家政策的事业发展情况或非营利活动的材料；<br/>（八）财政、税务部门要求提供的其他材料。<br/>当年新设立或登记的非营利组织需提供本条第（一）项至第（三）项规定的材料及本条第（四）项、第（五）项规定的申请当年的材料，不需提供本条第（六）项、第（七）项规定的材料。</p>
排污许可证向哪个单位申请？
<p>根据《排污许可管理办法》第三章第十四条，排污单位应当在实际排污行为发生之前，向其生产经营场所所在地设区的市级以上地方人民政府生态环境主管部门（以下简称审批部门）申请取得排污许可证。如果您想了解更多信息可咨询我局环境影响评价处。<br/></p>
什么是失业保险？
<p>失业保险是指国家通过立法强制实行的，由社会集中建立基金，对因失业而暂时中断生活来源的劳动者提供物质帮助的制度。它是社会保障体系的重要组成部分，是社会保险的主要项目之一。<br></p>
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