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公积金贷款与商业贷款有什么差别
释义
律师分析:
贷款的利率是不一样的,公积金贷款的基准利率是3.25%,而商业贷款是4.75%。两者的审批速度也是不一样的,商业贷款的审批速度会更快一些。放款人有所不同,商业贷款是由银行放款的,而公积金贷款只是委托指定的银行代办,主要还是由公积金管理中心放款的。
【法律依据】:
《住房公积金管理条例》第六条 住房公积金的存、贷利率由中国人民银行提出,经征求国务院建设行政主管部门的意见后,报国务院批准。
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更新时间:2025/6/27 9:39:18