推荐回答(1个)
住房公积金贷款
分
担保贷款
和抵押贷款。
担保贷款简单的说,就是给你
房屋
和个人上的
保险
。如果你个人和房屋在还款期间因为种种原因无法
偿还贷款
。担保中心负责给你还款。
因为贷款本身存在一定的还款
风险
,而一旦发生这种
风险事件
,虽然银行自身也有一套处理办法,但耗时太长,
手续
烦琐。因此
担保公司
可以就说专门为这种银行还款风险而成立的公司。
担保公司将在银行打入一定
保证金
,按与银行约定的
比例
放大授信。比如按50倍放大,那么担保公司的100万保证金就可以在银行办5000万的贷款。
个人在担保公司办贷款后,如果出现还款逾期,那么银行就会首先将担保公司在银行的保证金划扣到还款
帐户
,然后由担保公司和银行一同负责催收工作。
可以说,担保公司是个人同银行、保险等有关贷款部门的联系人。
你的
房子
抵押给公积金,另有担保公司作担保,公积金更放心。如果你不还款,还可以找担保公司。
再简单说担保贷款你的
房产证
是抵押给担保中心,他们做完抵押登记半年后还给你.抵押贷款是抵押给银行,待还清后再给你.
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