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申请住房公积金贷款,应当提供担保。这是《住房公积金管理条例》所作的规定。担保形式一般有抵押、质押和保证,而目前大部分住房公积金个人住房贷款主要是沿用商业银行住房贷款模式——住房抵押贷款,质押和保证担保模式较少。其实,充分利用住房公积金缴存特点,可以大力开展住房公积金联名保证来发放住房公积金个人住房贷款。 联名保证贷款是由借款人提供,经贷款人认可的第三方承担连带清偿
Apply for housing provident fund loans, should provide security. This is the “Housing Fund Management Ordinance” made by the provisions. The form of guarantee is generally mortgaged, pledged and guaranteed. At present, most of the individual housing provident fund personal housing loans follow the mode of housing loans of commercial banks - less mortgage loans, pledges and guarantees. In fact, take full advantage of the characteristics of housing provident fund deposit, you can vigorously carry out the joint guarantee of housing provident fund to pay housing provident fund personal housing loans. Joint guarantee loans are provided by the borrower, the lender recognized third parties bear joint and several liability