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担保公司可以贷款吗？利率是多少哦

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担保公司可以贷款吗？利率是多少哦

浏览：33次 | 提问时间： 07-17 05:17

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2个答案

挽歌短发菇凉照样闪飘飘 07-17 05:18

1、所说的“保证金”应该是担保费。目前公积金贷款采用住房置业担保公司对住房公积金个人购房贷款予以保证的担保方式,所以须支付担保费,。
2、公积金担保费是一次性收取的,一般是第一个月还款时把担保费和首月还款额一并存入您的还款账户中进行扣除的
3、公积金贷款的担保费是根据贷款金额和年限综合计算的。具体的还要结合个人情况，可以去银行交，也可以直接在网上缴费

嘿看小鸭子会跑 07-17 05:27

根据济宁相关政策规定，市民想要办理商转公贷款，确定在济宁市正常缴纳住房公积金后，申请人需向银行确定，其购房贷款尚未结清，同时向银行提出提前结清贷款的申请。一旦银行同意，就能办理接下来的业务。也就是市民想商业贷款转公积金贷款，要先向银行还清尚未还清的房款，在还清贷款后，可以采取公积金贷款担保方式申请公积金贷款。目前，个人住房公积金贷款担保方式有质押、抵押(现房抵押、抵押加开发商阶段性保证)、自然人保证和担保公司担保等形式。市民若已经还清贷款，可选择用房产抵押贷款的形式，若无法还清，按照规定可以采用质押、自然人保证和担保公司担保。采用自然人保证、质押担保方式的，贷款职工均不需交纳任何贷款费用。

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