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公积金贷款要找担保公司吗？？

浏览：48次 | 提问时间： 06-30 04:54
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2个答案
帘外雨 06-30 04:54

您好：公积金贷款不需要您自己找担保公司，有公积金担保中心来担保，担保费：贷款额的3‰，客户在公积金管理中心签署借款合同时收取。影响：客户信用评级到3A担保费可以打9.5折；客户信用评级到2A担保费可以打9.8折。

温柔假象 06-30 05:03

您好，关于公积金贷款，在签借款合同的时候，会有贷款额的0.3%作为担保费。因为在过户后，领完房本，房本拿去银行作抵押然后放款，这个流程需要将近半年时间。在此时这个担保公司就出现了，这是跟公积金管理中心有合作的担保公司，您交了这笔担保费，担保公司为您作担保，银行在拿到房本后的10-15个工作日的时候放款给业主。不至于等到半年左右才能拿到尾款。

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