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商贷改公积金贷款的流程有知道的吗

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商洛市公积金提取流程是怎样的?咨询中商贷款转公积金流程是怎样的？商业按揭转公积金贷款办理流程是怎样的？商业贷款提取公积金有哪些流程？有人知道是什么政策啊商业贷款怎么转住房公积金贷款？有人熟悉流程的吗？商业贷款怎么转住房公积金贷款？怎么个流程啊，谢谢上海办理住房公积金贷款的流程有哪些谁清楚？上海公积金充房贷办理流程是怎样的？请告诉我如何处理啊？上海二手房住房公积金贷款有哪些流程？上海房屋装修可以公积金贷款吗？上海公积金能装修房子吗要注意哪几点？上海公积金取款流程是怎样的？要怎么预约？上海公积金可以用来装修吗？我想拿出来装修，有知道的人吗？上海公积金可用于装修吗？谁对这个知道上海公积金提前还款流程哪位了解？哪位能够说说看？

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商贷改公积金贷款的流程有知道的吗

浏览：57次 | 提问时间： 07-01 04:34

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2个答案

月老把紅線換成鋼絲好麽 07-01 04:35

公积金贷款二套住房多为4成。在贷款前，你要先知道自己的公积金帐户上有多少钱，单位每月给你多少钱。只有知道自己的情况才能去贷款。公积金是职工的一种福利，贷款利息比商业贷款低很多。商业贷款一般是可以和公积金一起，做成组合贷款，如果你要贷很多款，但是你的公积金余额有不多，这时可以组合贷款。家庭首套房，首付款比例为30%，执行公积金贷款基准率4.5%或国家基准利率6.55%(商贷)；如果这次购房的住房为二套房，首付款比例确定自己的公积金后，就是去选房子

Despar乱人心 07-01 04:44

第一，公积金贷款和商业贷款的区别：一是贷款利率不同，不用我多说吧？二是公积金贷款不是银行贷给借款人的，而是房改办(公积金办)将全市职工缴存的公积金总额中贷一部份给需要贷款的购房者，银行只是代办，属于委托贷款，贷款收益大部份在房改办。第二，商业贷款改公积金贷款理论上并不是行不通的。只是要相关部帮忙，协助办理。如果你买的是一手房，(商品房)，因为你已经贷了商业贷款所以，如果你想改贷公积金贷款，第一，要还清所有贷款，注销抵押，第二，申请公积金贷款，找开发商盖担保章，贷款银行审批，房改办审批，下款，贷款划到开发商帐户，借款人去开发商讨回贷款。如果你买的是二手房，过程基本同上。贷款划到担保公司帐上，买卖双方到担保公司取款，担保公司将钱给卖方，买方再讨回来。第三，我想说明的是：你认为改公积金贷款涉及的相关单位会给你帮助吗？因为不管是商业贷款还是公积金贷款，所办的手续中最后都是银行进行资金的划拨，你想商业贷款的收益是银行，而公积金贷款的收益是房改办，银行愿意“舍利求繁”帮你办吗？

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