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"//www.sheji456.com/ask/tlist/898641" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/898641" } [12] => array(11) { ["tagname"] => string(24) "贷款商贷转公积金" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(995884) ["id"] => string(6) "995884" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503943934410777) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/995884" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/995884" } [13] => array(11) { ["tagname"] => string(24) "商贷如何转公积金" ["inlink"] => int(0) ["addtime"] => string(10) "1598924269" ["tagid"] => int(998491) ["id"] => string(6) "998491" ["depart"] => string(1) "0" ["updatetime"] => int(0) ["status"] => int(99) ["_version_"] => int(1703503944007811097) ["pageurl"] => string(35) "//www.sheji456.com/ask/tlist/998491" ["m_pageurl"] => string(33) "//m.sheji456.com/ask/tlist/998491" } [14] => array(11) { ["tagname"] => string(24) "成都商贷转公积金" 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商贷转公贷需要交纳些什么费用？哪位说一下？

商贷转公贷需要交纳些什么费用？哪位说一下？

浏览：52次 | 提问时间： 07-21 11:55

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4个答案

GluTtoNy沉沦 07-21 11:56

商转公贷款现在有两种办理方式，一种是先还后贷方式，另一种是以贷冲贷方式。先还后贷方式是指已办理商贷的职工向中心申请商转公贷款，经中心同意后，职工以自筹资金还清商贷并办理担保手续后，中心再发放商转公贷款。以贷冲贷方式是指已办理商贷的借款人向中心申请商转公贷款，经中心同意后，借款人将商贷本息余额大于商转公贷款差额提前还清，并办理担保手续，中心发放商转公贷款，借款人、担保公司、银行共同配合用商转公贷款还清商贷并办理住房抵押反担保手续。

掌心蔷薇 07-21 12:04

不需要费用，按照以下流程办理：通常办理住房商业贷款转公积金贷款条件：
一、借款人申请贷款，应同时具备以下条件
(一)、按当地住房公积金管理规定申请贷款前连续足额缴存住房公积金满6个月（或三个月）以上，且借款人及其配偶均无住房公积金贷款债务、未向其他公积金借款人提供过贷款担保或辅助借款。
(二)、购买、建造、翻建、大修和装修城镇自住住房的房屋所有权人或购买公有住房的房屋使用权人以及与房屋所有权人或房屋使用权人共同居住的直系亲属;
(三)、有稳定的收入、信用良好、有偿还贷款本息的能力;
(四)、具有购买、建造、翻建、大修和装修自住住房的有关手续及土地、建设、规划等部门的批准文件和规定比例的自筹资金;
(五)、提供符合《中华人民共和国担保法》规定且管理中心认可的担保;
(六)、其他规定条件。
二、个人准备资料：
1、公积金个人贷款申请审批表；
2、申请人身份证或有效身份证明；
3、申请人配偶身份证或有效身份证明；
4、申请人的辅助还款人身份证或有效身份证明；
5、申请人及配偶、辅助还款人户口簿；
6、申请人的结婚证明或婚姻关系证明；
7、申请人及配偶、辅助还款人的工作情况及收入证明；
8、贷款资金划款委托书；以上材料一式三份。
三、商贷转公基金贷款准备材料：
1、购房合同；
2、商业贷款《借款合同》；
3、最近三个月商业贷款还款证明；
4、商业银行出具的贷款余额证明以及贷款人的身份证；
5、户口本；
6、婚姻证明；以上材料一式三份。

戏子 07-21 12:12

申请人及共同申请人在中心门户网站预约办理时间、地点，并申报贷款信息；受托银行网点受理组合贷公贷和商贷后，向中心递交组合贷公贷申请；收到受托银行递交的贷款申请，且材料齐全后5个工作日内，中心审批组合贷公贷；受托银行审批组合贷商贷；借款人与受托银行签订合同；需要自行结清原商业性住房按揭贷款，再以原所购住房抵押，借款人将原商业性住房按揭贷款结清，并办妥抵押登记及其它相关放款手续；受托银行发放商转公贷款。给您参照一下，期望我的回答能帮到您。

只为遇见你 07-21 12:20

据我所知北京商贷可以转公积金贷款的，不过需要关注以下条件：
1、北京不能办理“商转公”，贷款的时候先要考量好；
2、商贷后，我建议你应该去办理【住房公积金约定提取】，约定时间能由职工自由选取：每月、每季、半年、一年（4选1）公积金中心会按约定的时间，在3个工作日内把钱转到你的银行账户。
3、办理了约定提取，就不能在柜台办理提取部分公积金。

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商贷转公贷需要交纳些什么费用？哪位说一下？