公積金貸款逾期的后果
The consequences of overdue accumulation of provident fund loans
1、如果公積金貸款申請人未能按照公積金借款合同每月履行還款義務(wù)，公積金管理中心可根據(jù)相關(guān)規(guī)定對貸款申請人的逾期部分房貸進行罰息。
1, if the provident fund loan applicant fails to fulfill the repayment obligation in accordance with the provident fund loan contract, the provident fund management center may impose a penalty on the loan applicant's overdue part of the housing loan according to the relevant provisions.
2、如果公積金貸款申請人在經(jīng)多次催收后，仍無力進行還款的，公積金管理中心可以向法院申請?zhí)幚砉e金貸款申請人的抵押物或質(zhì)押物。
2, if the provident fund loan applicant is unable to repay after repeated collection, the provident fund management center can apply to the court for handling the collateral or pledge of the applicant of the provident fund loan.
3、公積金貸款申請人本人及配偶的逾期記錄將會被公積金管理中心上報個人征信中心。
3. The overdue records of the applicant and the spouse of the provident fund loan applicant will be reported to the personal credit center by the central provident fund management center.
同時，其貸款擔(dān)保人也會需要負一定的法律連帶責(zé)任。
At the same time, the loan guarantor will also need a certain legal joint liability.
混合貸款
Mixed loan
混合貸款就是公積金貸款和商業(yè)貸款共同使用，在買房過程中一并運用的一種付款方式。常用于公積金貸款使用額度達到上限，剩余款項又無法一次性支付的情況。
Mixed loan is the common use of fund loans and commercial loans, in the process of buying a house to use a payment method. It is often used in the case of the ceiling of the use of provident fund loans and the situation that the surplus can not be paid in one time.
這種付款方式可以*大限度地為購房者省錢，既不提高首付比例，又可以降低貸款利率。當(dāng)然，相對應(yīng)地，也有賣方不愿意等，貸款審核流程繁瑣，等待時間長，耗費精力等。
This payment method can save money for the buyers to the maximum extent, neither increase the proportion of down payment, but also reduce the interest rate of the loan. Of course, relative to the ground, there are also the seller |
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