公积金贷款逾期的后果
The consequences of overdue accumulation of provident fund loans
1、如果公积金贷款申请人未能按照公积金借款合同每月履行还款义务，公积金管理中心可根据相关规定对贷款申请人的逾期部分房贷进行罚息。
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、如果公积金贷款申请人在经多次催收后，仍无力进行还款的，公积金管理中心可以向法院申请处理公积金贷款申请人的抵押物或质押物。
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、公积金贷款申请人本人及配偶的逾期记录将会被公积金管理中心上报个人征信中心。
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.
同时，其贷款担保人也会需要负一定的法律连带责任。
At the same time, the loan guarantor will also need a certain legal joint liability.
混合贷款
Mixed loan
混合贷款就是公积金贷款和商业贷款共同使用，在买房过程中一并运用的一种付款方式。常用于公积金贷款使用额度达到上限，剩余款项又无法一次性支付的情况。
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.
这种付款方式可以*大限度地为购房者省钱，既不提高首付比例，又可以降低贷款利率。当然，相对应地，也有卖方不愿意等，贷款审核流程繁琐，等待时间长，耗费精力等。
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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