@绵阳人，速看！绵阳住房贷款如何“商转公”？详细指南来了。
<section><mp-common-profile class="js_uneditable custom_select_card mp_profile_iframe" data-pluginname="mpprofile" data-weui-theme="light" data-id="Mzg4Nzc3NDA3NQ==" data-headimg="http://bbs.xishuw.com/plugin.php?id=wcn_editor:wx_img&url=http://mmbiz.qpic.cn/mmbiz_png/yneMS8o1iceOy9IEc3U8mlFn2yia1hEWn3ngE7GXc1aNmwBcicuh9dARgOnKlSMsDBS6SUKW9LuaQ0eByamiaCILcA/0?wx_fmt=png" data-nickname="绵阳发布" data-alias="fabumianyang" data-signature="中国科技城 成渝副中心" data-from="0" data-is_biz_ban="0"></mp-common-profile></section><p><section style="line-height: 2;box-sizing: border-box;font-size: 16px;"><section style="font-size: 17px;color: rgb(62, 62, 62);box-sizing: border-box;" powered-by="xiumi.us"><p style="text-align: center;white-space: normal;box-sizing: border-box;"><br/></p><p style="text-align: center;white-space: normal;box-sizing: border-box;"><span style="box-sizing: border-box;color: rgb(255, 104, 39);"><strong style="box-sizing: border-box;">哪些条件可以办理住房贷款“商转公”</strong></span></p><p style="text-align: center;white-space: normal;box-sizing: border-box;"><span style="box-sizing: border-box;color: rgb(255, 104, 39);"><strong style="box-sizing: border-box;">办理“商转公”需要哪些手续</strong></span></p><p style="text-align: center;white-space: normal;box-sizing: border-box;"><span style="box-sizing: border-box;color: rgb(255, 104, 39);"><strong style="box-sizing: border-box;">需要准备哪些资料</strong></span></p><p style="text-align: center;white-space: normal;box-sizing: border-box;">……</p></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;height: auto;border-style: solid;border-width: 1px;border-color: rgb(250, 224, 74);background-color: rgb(255, 255, 255);padding: 27px;box-sizing: border-box;"><section style="margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="text-align: justify;font-size: 17px;box-sizing: border-box;"><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">4月7日，绵阳市住房公积金服务中心有关负责人介绍，凡绵阳市公积金缴存职工，在绵阳行政区域内购买普通自住住房时办理了商业购房贷款，没有使用商贷与公积金组合贷款的，在符合公积金贷款基本条件并取得不动产权证书后，可以申请“商转公”。</p></section></section></section></section><section style="font-size: 17px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="text-align: center;"></p><p style="white-space: normal;box-sizing: border-box;"><br/></p></section><section style="text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;max-width: 100%;height: auto;box-sizing: border-box;"><section style="text-align: right;justify-content: flex-end;display: flex;flex-flow: row nowrap;transform: translate3d(-2px, 0px, 0px);box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;max-width: 100%;height: auto;z-index: auto;line-height: 0;box-sizing: border-box;"><section style="text-align: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 20px;height: 7px;vertical-align: top;overflow: hidden;background-color: rgb(62, 62, 62);box-sizing: border-box;"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;transform: translate3d(2px, 0px, 0px);margin-top: 2px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;border-style: solid;border-width: 1px;border-color: rgb(62, 62, 62);background-color: rgb(250, 224, 74);box-sizing: border-box;"><section style="justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: -5px;margin-bottom: 5px;transform: translate3d(-5px, 0px, 0px);box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(255, 255, 255);border-style: solid;border-width: 1px;border-color: rgb(62, 62, 62);padding: 5px 15px;box-sizing: border-box;"><section style="display: flex;width: 100%;flex-flow: column nowrap;box-sizing: border-box;" powered-by="xiumi.us"><section style="z-index: 2;box-sizing: border-box;" powered-by="xiumi.us"><section style="font-size: 17px;color: rgb(62, 62, 62);text-align: center;letter-spacing: 4px;box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">“商转公”如何办理？</strong></p></section></section></section></section></section></section></section><section style="text-align: left;margin-top: -11px;transform: translate3d(13px, 0px, 0px);box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 10px;height: 20px;vertical-align: top;overflow: hidden;background-color: rgb(62, 62, 62);box-sizing: border-box;"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="font-size: 17px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="text-indent: 2em;white-space: normal;box-sizing: border-box;">该负责人介绍，“商转公”业务办理方式有<span style="color: rgb(91, 159, 82);box-sizing: border-box;"><strong style="box-sizing: border-box;">两种</strong></span>： <br style="box-sizing: border-box;"/></p></section><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br style="box-sizing: border-box;"/></p><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;width: 16%;align-self: flex-start;flex: 0 0 auto;height: auto;border-style: solid;border-width: 0px 4px 0px 0px;border-color: rgb(243, 232, 72);box-sizing: border-box;"><section style="text-align: justify;font-size: 31px;color: rgb(91, 159, 82);box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">01</strong></p></section></section><section style="display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;padding-left: 27px;box-sizing: border-box;"><section style="margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="font-size: 17px;text-align: justify;box-sizing: border-box;"><p style="white-space: normal;box-sizing: border-box;"><span style="color: rgb(91, 159, 82);box-sizing: border-box;"><strong style="box-sizing: border-box;">一是自筹资金结清贷款</strong></span>，借款人自筹资金结清商贷，撤销房屋抵押权后，在结清商贷1年以内可申请“商转公”。</p></section></section></section></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;width: 16%;align-self: flex-start;flex: 0 0 auto;height: auto;border-style: solid;border-width: 0px 4px 0px 0px;border-color: rgb(243, 232, 72);box-sizing: border-box;"><section style="text-align: justify;font-size: 31px;color: rgb(91, 159, 82);box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><strong style="box-sizing: border-box;">02</strong></p></section></section><section style="display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;padding-left: 27px;box-sizing: border-box;"><section style="margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="font-size: 17px;text-align: justify;box-sizing: border-box;"><p style="text-indent: 0em;white-space: normal;box-sizing: border-box;"><span style="color: rgb(91, 159, 82);box-sizing: border-box;"><strong style="box-sizing: border-box;">二是商转公直转</strong></span>，缴存职工将本人或共同申请人（仅限配偶）在绵阳市公积金中心受委托银行已办理但尚未结清的商贷直接转换为公积金委托贷款。申请商转公直转的，需取得委托银行提前结清商贷的书面证明。目前，中国银行绵阳分行、工商银行绵阳分行、建设银行绵阳分行、农业银行绵阳分行、邮储银行绵阳分行、绵阳市商业银行、绵阳市农商银行、交通银行承办有商转公直转业务。</p></section></section></section></section><section style="font-size: 17px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;max-width: 100%;height: auto;box-sizing: border-box;"><section style="text-align: right;justify-content: flex-end;display: flex;flex-flow: row nowrap;transform: translate3d(-2px, 0px, 0px);box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;max-width: 100%;height: auto;z-index: auto;line-height: 0;box-sizing: border-box;"><section style="text-align: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 20px;height: 7px;vertical-align: top;overflow: hidden;background-color: rgb(62, 62, 62);box-sizing: border-box;"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;transform: translate3d(2px, 0px, 0px);margin-top: 2px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;border-style: solid;border-width: 1px;border-color: rgb(62, 62, 62);background-color: rgb(250, 224, 74);box-sizing: border-box;"><section style="justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: -5px;margin-bottom: 5px;transform: translate3d(-5px, 0px, 0px);box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(255, 255, 255);border-style: solid;border-width: 1px;border-color: rgb(62, 62, 62);padding: 5px 15px;box-sizing: border-box;"><section style="display: flex;width: 100%;flex-flow: column nowrap;box-sizing: border-box;" powered-by="xiumi.us"><section style="z-index: 2;box-sizing: border-box;" powered-by="xiumi.us"><section style="font-size: 17px;color: rgb(62, 62, 62);text-align: center;letter-spacing: 4px;box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;"> 办理“商转公”需提供哪些资料？</strong></p></section></section></section></section></section></section></section><section style="text-align: left;margin-top: -11px;transform: translate3d(13px, 0px, 0px);box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 10px;height: 20px;vertical-align: top;overflow: hidden;background-color: rgb(62, 62, 62);box-sizing: border-box;"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><p style="white-space: normal;box-sizing: border-box;" powered-by="xiumi.us"><br style="box-sizing: border-box;"/></p><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: -10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;border-style: solid;border-width: 0px 0px 0px 3px;border-color: rgb(181, 220, 234) rgb(181, 220, 234) rgb(181, 220, 234) rgb(250, 224, 74);padding: 22px;box-sizing: border-box;"><section style="font-size: 17px;text-align: justify;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;">1.申请人身份证原件（配偶也需提供）</p><p style="white-space: normal;box-sizing: border-box;">2.申请人户口本原件（配偶也需提供）</p><p style="white-space: normal;box-sizing: border-box;">3.婚姻证明原件</p><p style="white-space: normal;box-sizing: border-box;">4.申请人个人征信报告（配偶也需提供）</p><p style="white-space: normal;box-sizing: border-box;">5.异地贷款职工缴存使用证明及近6个月缴存明细（共同贷款人为异地缴存职工的提供）</p><p style="white-space: normal;box-sizing: border-box;">6.购房合同原件 </p><p style="white-space: normal;box-sizing: border-box;">7.商贷借款合同原件（名下有其他未结清住房商业贷款的一并提供）</p><p style="white-space: normal;box-sizing: border-box;">8.商贷近一年还款明细、余额原件</p><p style="white-space: normal;box-sizing: border-box;">9.不动产权证书原件（商转公直转提供复印件）</p><p style="white-space: normal;box-sizing: border-box;">10.商贷结清证明原件（商转公直转无需提供）</p><p style="white-space: normal;box-sizing: border-box;">11.商业银行出具的同意提前结清商贷的申请（商转公直转业务提供）</p><p style="white-space: normal;box-sizing: border-box;">12.其他市公积金中心要求提供的证明材料</p></section></section></section></section></p><link rel="stylesheet" href="http://bbs.xishuw.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v133_spN" id="wcn_editor_css"/> 一是自筹资金结清贷款，借款人自筹资金结清商贷，撤销房屋抵押权后，在结清商贷1年以内可申请“商转公”。结清商贷还转公贷怎么贷，贷多少咋算 我记得是不是还有贷款啊？ 感觉起来还是很麻烦的 意思是要先结清贷款？ 一般好办理好多天呢？ 感觉挺麻烦的
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