论文部分内容阅读
贴息贷款是指住房资金管理部门与有关商业银行合作并负责担保,对符合住房公积金贴息条件的借款人,根据申请的贴息额度按商业性个人住房贷款和个人住房公积金贷款的利息差额进行贴息。在操作过程中应解决信用评估机制及各方当事人的法律关系。
Interest-subsidized loans refer to the cooperation between the fund management department of the housing fund and the commercial banks concerned and are responsible for the guarantee. For the borrowers who meet the housing accumulation fund interest-subsidy conditions, interest subsidy is applied according to the interest difference between the commercial individual housing loan and the individual housing provident fund loan. The credit evaluation mechanism and the legal relationship between the parties should be solved during the operation.