住房公积金小常识
<section style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;visibility: visible;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><span style="outline: 0px;visibility: visible;">问题一</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><span style="outline: 0px;visibility: visible;">:只要缴存住房公积金就能贷到最高额度。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><o:p style="outline: 0px;visibility: visible;"></o:p></span></section><p></p><section style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;visibility: visible;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><span style="outline: 0px;visibility: visible;">回答:职工家庭的最高</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><span style="outline: 0px;visibility: visible;">可贷</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><span style="outline: 0px;visibility: visible;">额度取决</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><span style="outline: 0px;visibility: visible;">房屋总价及职工还款能力。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><o:p style="outline: 0px;visibility: visible;"></o:p></span></section><section style="margin-right: 0pt;margin-left: 0pt;padding: 0pt;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background: rgb(255, 255, 255);text-indent: 2em;visibility: visible;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><span style="outline: 0px;visibility: visible;"> 首套房贷款额度不高于购房合同总价款的80%；二套房贷款额度不高于购房合同总价款的70%；二手房不超过房屋评估价70%；不高于借款人及配偶还贷能力确定的贷款额度：</span></span></section><p></p><p style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"></p><p></p><section style="margin-right: 0pt;margin-left: 0pt;padding: 0pt;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background: rgb(255, 255, 255);text-indent: 2em;visibility: visible;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><span style="outline: 0px;visibility: visible;"></span></span></section><section style="margin-right: 0pt;padding: 0pt;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;visibility: visible;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;">1、</span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><span style="outline: 0px;visibility: visible;">本市个人住房公积金贷款最高额度为</span><span style="outline: 0px;visibility: visible;">60万元。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><o:p style="outline: 0px;visibility: visible;"></o:p></span></section><section style="margin-right: 0pt;padding: 0pt;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;visibility: visible;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;">2、</span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><span style="outline: 0px;visibility: visible;">二孩及以上家庭个人住房公积金贷款最高额度为</span><span style="outline: 0px;visibility: visible;">72万。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;visibility: visible;"><o:p style="outline: 0px;visibility: visible;"></o:p></span></section><section style="margin-right: 0pt;padding: 0pt;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background: rgb(255, 255, 255);text-indent: 2em;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">3</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">、灵活就业缴存人员贷款额度不超过公积金账户余额</span><span style="outline: 0px;">20倍。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><o:p style="outline: 0px;"></o:p></span></section><section style="margin-right: 0pt;padding: 0pt;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">4、</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">个人征信报告中信贷交易信息显示有非循环账户，贷款余额应纳入还款能力核定。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><o:p style="outline: 0px;"></o:p></span></section><section style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">问题二</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">:</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">首套房是全款房，二套房使用住房公积金贷款，住房公积金贷款后首套房卖了，就能降低贷款利率。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><o:p style="outline: 0px;"></o:p></span></section><section style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">回答：</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">不能。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">按照央行规定，</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">贷款购买第二套住房的家庭，</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">住房公积金</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">贷款利率不得低于基准利率的</span><span style="outline: 0px;">1.1倍。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">根据</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">住房公积金合同约定，住房公积金利息按照贷款发放之日起生效，此类情况利息不能下调。</span></span></section><section style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;letter-spacing: 0.034em;"> 如若贷款期限内如遇国家利率调整，已发放的公积金贷款利率当年内不作调整，自次年的</span><span style="outline: 0px;font-size: 14pt;letter-spacing: 0.034em;font-family: Calibri;">1</span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;letter-spacing: 0.034em;">月</span><span style="outline: 0px;font-size: 14pt;letter-spacing: 0.034em;font-family: Calibri;">1</span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;letter-spacing: 0.034em;">日起按调整的利率执行。</span></section><section style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">问题三</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">:未婚情侣能一起申请住房公积金贷款买房。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><o:p style="outline: 0px;"></o:p></span></section><section style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">回答:住房公积金贷款需以家庭为单位申请，</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">非直系亲属</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">不可以</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">以</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">共同</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">购房</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">办理住房公积金贷款的。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><o:p style="outline: 0px;"></o:p></span></section><section style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">问题</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">四</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">:</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">住房公积金里的钱是自己的，没有任何理由就能提取出来。</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><o:p style="outline: 0px;"></o:p></span></section><section style="outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-indent: 2em;"><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">回答:住房公积金是</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">缴存职工的</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">长期住房</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">储蓄，《住房公积金管理条例》规定，</span></span><span style="outline: 0px;font-family: 宋体;font-size: 14pt;"><span style="outline: 0px;">住房公积金应当用于职工购买、建造、翻建、大修自住住房，任何单位和个人不得挪作他用。</span></span></section><p></p><p style="display: none;"><mp-style-type data-value="3"></mp-style-type></p><p><br/></p><link rel="stylesheet" href="//www.hbrdcm.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_XkC" id="wcn_editor_css"/>
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