在北京办理住房贷款,担保金一定要缴纳吗?
提问者 :
飞飞凤11
时间 :
2015-05-14 14:17
所属分类 :
买房-贷款办理-贷款流程
回答详情
共有2个回答
-
violetear
职工办理住房公积金贷款公积金贷款时，需要相关部门配合，其中包括贷款银行、担保中心、公证、抵押等部门，借款人选择机构担保的，房产证抵押在担保中心，借款人不能按时偿还贷款的，逾期贷款由担保中心代偿，此种情况借款人需交纳一定的担保费，担保费由市住房置业担保中心收取，收费标准由市物价局核定，根据借款人贷款额度和年限收取。
2015-05-14 14:40
-
小侯0813
办理住房贷款担保金是否要交国家没有统一规定。有的银行有要求，有的银行没有要求。你可以多问几家银行，选择一家没有担保金要求的银行办理住房抵押贷款。
2015-05-14 14:31
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