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商业贷款提取公积金有哪些流程？

浏览：38次 | 提问时间： 08-10 04:14
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3个答案
Thegoddess 08-10 04:15

1、将公积金帐户内的余额全部提出来冲还贷款本金（一年一次，帐户内需留有一定余额，各地规定不同），冲还本金后，贷款的本金减少，总利息也减少。月供或年限将重新计算：如果选择年限不变的，重新计算后月供将减少；如果选择月供不变的，还款年限将减少。至时你可以选择。2、提取公积金后与你的还贷卡“关联”，比方说你的月供为1500元，提取1.5万元后与还贷卡关联，此后你10个月不需往卡里存钱，由公积金的钱来还贷款。

思念苦无药 08-10 04:23

商业贷款提取公积金的手续：携带贷款合同、还贷卡（或公积金卡）、本人*、单位开具的“公积金提取证明”，如果配偶公积金也要提取的话，还要带上结婚证、*、配偶单位开具的“公积金提取证明”，到贷款银行或当地的公积金管理中心办理手续。

浅笑安然 08-10 04:31

符合住房公积金贷款条件的个人，有三种商业贷款转公积金贷款方式可供选择：​客户可先自筹资金把原银行贷款结清，原房产撤销抵押，重新办理抵押后，公积金中心放款至客户存款账户。客户交纳保证金，用本人或配偶或其直系亲属的另一套房子做抵押，公积金中心可放款给客户，等客户还清原贷款后，退还保证金。客户可找一家担保公司，由担保公司垫资还清客户原贷款，客户缴纳垫资费和保证金，担保人提供阶段性担保，抵押落实后公积金中心放款，退还客户保证金。

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