随州住房按揭商业房贷可转公积金贷款
2013
04/28
09:35
1469
从随州市住房公积金管理中心获悉，凡具备公积金住房贷款条件，并已办理商住贷款的市民，商业贷款可转为公积金贷款。
据介绍，申请“商转公”贷款对象，是购买自住住房且办理的商业性住房贷款，并符合公积金贷款政策的市民，办理“商转公”时，需经原商业性住房贷款银行同意借款人提前结清房贷，在原商业性住房贷款还款1年（含）以上且无逾期贷款不良记录，借款人为原商业住房贷款的借款人或配偶，能提供合法足额的抵押担保等。
额度方面，“商转公”贷款单笔最高额度为35万元（不超过商业性住房贷款余额），最长还款年限为25年，据市住房公积金管理中心个贷科科长余功准介绍，根据利率历年变化走势，“商转公”后，可少付利息17万元。
据了解，随州市目前可办理住房贷款“商转公”的定点银行为建行、农行、工行、中行。
发布人：
xineeg
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