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商贷不能转成公积金贷款

更新时间:2011-11-25 08:15:41 - 来源:苍南房产网 点击数:76727 >> 我要发表评论

近日,读者黎小姐来电咨询表示,自己在2009年买的房子,由于种种原因未能办理公积金贷款,而是选择了商业贷款。但随着银行贷款利率的提高,她的还贷压力越来越大。知道公积金贷款利率低,总还款数额少,因此黎小姐咨询能否将已有商贷转成公积金贷款。

对此,伟嘉安捷企划经理吴浩表示,北京暂不支持商贷和公积金贷款的转换。购房者一套房子使用商贷后,除非购买第二套房子可以再申请公积金贷款,否则无法变更。

据了解,公积金贷款与商业贷款是两种本质完全不同的贷款,贷款的资金主体、对象、利率、审核、担保等方面存在很大差异,贷款一旦发放,再将债权转让就存在诸多问题,比如从贷款担保方式上讲,借款人办理商业贷款时采用的担保方式为抵押加开发商阶段性连带责任保证担保,而公积金贷款的担保方式一般是采用北京市住房贷款担保中心连带责任保证担保,担保方式不同致使两种贷款方式无法转换。

而且需要指出的是,商业贷款的额度一般较高,而公积金贷款额度是有上限的,即使可以转换,也要受到公积金贷款额度上限的影响。

吴浩说,通常情况下,遇到商贷有还贷压力的买房人,都会建议买房人拿着相关购房证明,提取出公积金偿还商业贷款,这样做可以减缓一些日常支出方面的压力,公积金的提出周期视不同企业而定。

据悉,经过今年的几次加息,对于从去年开始还房贷的买房人来说,大部分银行的房贷将于明年1月开始执行新利率。按照五年以上贷款基准利率计算,将从今年初的6.40%上涨到7.05%,利率上涨幅度超过10%。


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