海南调整“商转公”政策:新增“带押直转” 拓宽支持范围|日本无码人妻丰满熟妇5g影院
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中新网海口11月27日电 (记者 王子谦)记者27日从海南省商业性个人住房贷款转住房公积金个人住房贷款政策解读新闻发布会上了解到,为降低存量房贷成本,海南省出台“商转公”新政,增加“带押直转”模式,将贷款支持范围由新建商品住房拓宽至二手住房、保障性住房等购房类型。
海南省住房公积金管理局局长周高明介绍,本次政策调整后,在原有“自筹结清”办理方式的基础上,增加“带押直转”模式,改变现行商转公贷款“先还后贷”的办理方式,借款人无需自筹资金结清原商贷,通过使用住房公积金贷款“以贷还贷”,直接完成贷款的置换;拓宽了商转公贷款支持范围。将原有商转公贷款仅支持新建商品住房,拓宽至新建商品住房、二手住房、保障性住房等购房类型。
有关“商转公”贷款的办理方式,海南省住房公积金管理局贷款管理处负责人李丹表示,“带押直转”方式是贷款经公积金中心审批通过后,借款人办理对应房产第二顺位抵押登记,贷款资金直接划转到原商贷银行指定账户,专项用于结清原商贷。“自筹结清”方式是贷款经公积金中心审批通过后,借款人须先自筹资金结清原商贷,并注销原商贷房产抵押登记,再重新办理公积金贷款对应房产抵押登记,贷款资金划转到借款人个人账户。
周高明表示,本次政策调整后,将帮助借款人减轻贷款利息负担。他同时提醒,海南建立“商转公”贷款与个贷率联动机制,根据个贷率情况实行按月限额和贷款轮候,防范商转公贷款集中申办的资金流动性安全。当个贷率达到95%时启动按月限额和轮候机制,每月受理限额为5亿元。当综合个贷率(含贴息贷款)达到110%时,暂停受理商转公贷款。(完)
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