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呕心整理:2015新太仓公积金贷款知识大全

房天下房天下   2015-07-14 10:27

[摘要] 5月15日太仓公积金迎来了近年来大幅度的调整,如果你的公司给你缴纳了公积金,而你正打算买房,那么太仓公积金贷款的知识你一定要好好了解下,不然能省下好多钱都不知道。房天下小编呕心泣血整理的2015年新太仓公积金贷款知识大全,希望能对您的置业有所帮助

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">  515太仓公积金迎来了近年来大幅度的调整,如果你的公司给你缴纳了公积金,而你正打算买房,那么太仓公积金贷款的知识你一定要好好了解下,不然能省下好多钱都不知道。房天下小编呕心泣血整理的2015年新太仓公积金贷款知识大全,希望能对您的置业有所帮助。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">1、公司公积金的缴纳

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">和各种保险一样,在太仓,一般正规的公司都会为职工缴纳公积金,不过缴纳的工资基数、比例不尽相同。网友可以找到自己的公积金卡或者存折,根据上面的编号到太仓公积金管理中心网站(//www.fgb.tc.gov.cn/)自行查阅。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">根据规定,太仓住房公积金缴存基数低不得低于太仓市人力资源和社会保障局公布的低月工资标准。一般缴存比例为单位和职工各8%12%,单位和职工的缴存比例应当一致。未达到上限比例的,可以继续上调。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">太仓在2015年的7进行住房公积金缴存基数的调整。太仓2015年度住房公积金的缴存基数高为17700元,低为2697元。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">如小王的工资为5000,但是公司按照3000元的基数缴纳公积金(高于2015年度低缴存标准2697元),缴存比例为8%,则每月个人缴纳240元,公司缴纳240元,账户上每月可得480元。而小李的工资为7000元,公司按照全额缴纳,比例为12%,则个人每月缴纳840元,公司同样缴纳840元,每个月可得1680元。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">2公积金贷款的利率

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">511日起央行降息0.25%之后,按照新的利率,5年以上商业贷款基准利率为5.65%5年以上住房公积金贷款利率为3.75%

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p" align="left">要知道,从2007年起近的21次房贷利率变化看,此次利率调整已经跌破2009年历史宽松时期的记录了

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p" align="left">

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p" align="center">11

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p" align="center">

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">做一个简单的比较,如果在太仓购买总价70万的房子,同样属于个人首套房,贷款4925年期,等额本息的还款方式,商业贷款则需要支付利息42.5万元,每月还款3053.08()。而公积金贷款需要支付总利息26.5万元,每月还款2519.24()。公积金比商业贷款可以少支付利息16万元,每个月少还款533.84元!

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">3、夫妻、直系亲属可共同还贷

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">人多力量大,如果能合并家里人的公积金共同还贷再好不过了,那么可贷款额度和还贷压力都有所减轻。不过要注意的是,共同借款申请人只能是夫妻或者直系亲属,届时需要提供结婚证、户口本等证明。此外共同还贷涉及到房产的产权等问题。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">4、公积金缴纳多久就可以贷款

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">根据20141031日起的新政,借款人在申请之日前连续按期足额缴存住房公积金的期限,从12个月(含)以上调整为6个月(含)以上。个人可以从太仓公积金网站查询缴纳情况,公司如果有补缴公积金的情况可能会影响贷款,具体要咨询太仓公积金中心。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">5、个人住房贷款担保收费

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">根据20141031日起的新政,取消住房公积金个人住房贷款担保收费项目,但是在办理贷款时仍旧需要担保。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">6太仓什么样的房子可以办理公积金贷款

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">根据规定,如果购买的是新建住房,要等到房屋主体已封顶才能放款。在太仓有些楼盘如果刚刚打桩或者建造了几层,因为放款时间过长,开发商可能会不同意购房者使用公积金贷款(虽然法律规定开发商不得拒绝公积金贷款),网友在买房时好咨询一下置业顾问。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">此外购房合同的附件中一般会注明在付完首付之后,要在规定期限内(一般一个月左右)办理好贷款并放款,否则要支付违约金。一般情况下,因为开发商的问题导致贷款无法审批是不需要支付违约金的。而在办理好贷款后,因公积金放款时间比较慢而导致违约的情况,还是需要注意一下。根据编辑的个人经验,太仓公积金贷款一般肯定会在交房之前放款。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">7、夫妻一方在苏州市区或者园区工作怎贷款

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">苏州市区缴纳的住房公积金,在大市范围内购房,可以申请贷款。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">201171日起,夫妻一方在苏州园区工作并参照市区住房公积金政策缴存住房公积金(包括参加园区社会保险的甲类员工和缴纳园区住房公积金的乙类员工)、另一方在市区(含县)缴存住房公积金的,可以选择其中一方的缴存所在地办理贷款,可按照计算贷款额度公式、按还款能力计算贷款额度的公式两种方式贷款。不过在苏州园区工作的一方公司需要在太仓公积金中心已经备案

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">8、外地()公积金可转入太仓 贷款合并额度

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; BACKGROUND-COLOR: rgb(255,255,255); LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">除了苏州外,目前外地(包括外省)缴纳过公积金的职工,到太仓后可办理转接业务。具体操作方法是:到太仓重新开账户,拿着接收函、身份证等相关材料到原缴纳单位去进行办理。原账户的金额可转到太仓账户,如果办理贷款,可合并原来金额计算,但仍旧需要在太仓连续缴纳6个月。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; BACKGROUND-COLOR: rgb(255,255,255); LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">根据太仓新政,贷款增加了按还款能力计算贷款额度的公式,因此账户里的钱多少对于许多公积金贷款者来说并不是很重要了,如果离开外地时能全额取出来,这和放在公积金账户里区别不大。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">9、公积金账户里的钱可以用来付首付吗?

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">公积金贷款时,需要提供首付款发票,所以账户内的余额不能用于首付,只能是贷款成功后,将余额划转至职工关联的银行借记卡中 。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">此外自201416日起,贷款后,太仓公积金中心在全市范围内全面实行偿还住房贷款委托提取住房公积金方式,柜面不再受理偿还住房贷款提取住房公积金业务(意思就是,公积金买房之后,账户里的金额只能与还贷的银行卡关联,每月划转,而不能积累到一定时间去亲自提取)。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">10、首次使用公积金贷款首付比例

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">根据2015515日的新政,借款申请人首次使用公积金贷款购买自住住房的,首付款比例统一调整为不低于住房总价的20%首次使用公积金贷款购买新建住房,无论面积多大,首付比例均为不低于住房总价的20%

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">首次使用公积金贷款,即意味着之前有纯商业贷款或者全款的房子,也不计算在内,可以说是认贷不认房。而使用商业贷款,首付款比例统一为30%

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0px; TEXT-TRANSFORM: none; BACKGROUND-COLOR: rgb(255,255,255); LIST-STYLE-TYPE: none; TEXT-INDENT: 28px; MARGIN: 20px 0px 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0px; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0px; FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0px; -webkit-text-stroke-width: 0px"> 

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">举个例子,同样购买总价70的房子,公积金只需要首付14万,贷款56万;而商业贷款则需要首付21万,贷款49万。同样贷款25年(在符合其他条件的情况下),公积金贷款56万,首付14需要每月还款2879.13(),商业贷款49万,首付21,每月需要3053.08()

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">看清楚了么?同样的总价70万,同样的贷款年限25年,公积金比商业贷款首付少交7万元的同时,每个月还少换贷款173.95元!!!

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">11公积金贷款的限额 高70万元

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">根据2015515日的新政,(1)、新建住房的贷款高限额从50万元调整至70万元;存量成套住房(二手房,下同)、建造住房、翻建住房的贷款高限额从35万元调整至70万元。换句话说,家庭公积金贷款高限额统一提至70万元。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">2)、借款申请人及其他共有人中仅一人符合计算贷款额度条件的,新建住房的贷款高限额从30万元调整至45万元;存量成套住房、建造住房、翻建住房的贷款高限额从21万元调整至45万元。换句话说,个人贷款高限额统一提至45万元。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">12、如何计算可贷款额度?

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">在不超出以上所规定的高限额外,每个人的贷款能力是不同的。根据2015515日的新政,在执行按个人账户余额的倍数计算贷款额度公式的同时,增加按还款能力计算贷款额度的公式,由借款申请人自主选择。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">1)、按个人账户余额的倍数计算

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">借款申请人(含共同借款申请人)住房公积金账户余额×10(倍);贷款年限按照月还款额度不应超过月缴存基数的50%确定。借款申请人(含共同借款申请人)住房公积金账户余额不足1万元的,按1万元计算;中等偏低收入住房困难家庭购买保障性住房申请贷款的,其贷款额度可适当上浮,多不超过3万。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0px; TEXT-TRANSFORM: none; BACKGROUND-COLOR: rgb(255,255,255); LIST-STYLE-TYPE: none; TEXT-INDENT: 28px; MARGIN: 20px 0px 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0px; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0px; FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0px; -webkit-text-stroke-width: 0px"> 2)、按还款能力计算贷款额度计算

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0px; TEXT-TRANSFORM: none; BACKGROUND-COLOR: rgb(255,255,255); LIST-STYLE-TYPE: none; TEXT-INDENT: 28px; MARGIN: 20px 0px 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0px; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0px; FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0px; -webkit-text-stroke-width: 0px"> 

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">公式为:借款申请人缴存住房公积金的月工资基数或月工资基数之和×35%(规定比例)×12(月)×贷款期限(年)。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">总体来说,对于太仓购房者,一般第二种计算公式更为实用。举例小王和小李为夫妻,两个人均缴纳了6个月的公积金,刚刚符合贷款条件。小王的缴存基数为2000元,按照8%缴纳,每个月账户320元,6个月加起来才1920元。而小李缴存基数为7000元,按照12%缴纳,每个月账户1680元,6个月10080元。两个人加起来才11900元。按照种公式计算,11900×10,才可以贷款11.9万元。而按照第二种公式计算,(2000+7000×35%×12(月)×20年(举例)=756000,按照家庭高可贷款70万来算,完全可以贷满高额度。第二种计算公式完胜!

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">13、二次使用公积金贷款问题

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">根据2015515日的新政,借款申请人第二次使用公积金贷款购买自住住房的,取消贷款利率按首次使用公积金贷款利率1.1倍计算规定,执行首次使用公积金贷款利率即同期首次和二次使用利率相同,目前5年以上期即为3.75%

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">根据20141031日起的新政,第二次办理住房公积金个人住房贷款的,首付款比例从不低于住房总价的50%调整为不低于住房总价的30%

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">14太仓办理公积金贷款所需材料

RDER-BOTTOM: 0px; TEXT-ALIGN: left; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; BACKGROUND-COLOR: rgb(255,255,255); LIST-STYLE-TYPE: none; TEXT-INDENT: 28px; MARGIN: 20px 0px 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OVERFLOW: visible; WORD-BREAK: break-all; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="MsoNormal">网友在缴纳了首付,获得了首付款发票后,根据事先测算的贷款年限和总额,网友可至太仓公积金中心办理贷款申请。材料齐全,对方出具申请表供网友填写,当天即完结。公积金中心位于太仓市城厢镇郑和西路29电话:(0512)53532183可乘坐207路、203路等。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">夫妻双方共同申请住房公积金组合贷款所需资料:

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">1)、购房合同(原件4,注意查看开发商是不是法人签字的,不是要授权书)

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">2)、首付款发票(原件+复印件4,外加可能要查看首付款银行小票)

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">3)、预售许可证(复印件2)

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">4)、夫妻双方身份征(原件+复印件4,正反面复印)

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">5)、夫妻双方户口本(原件+复印件4,首页户主页要一起复印)

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">6)、结婚证(原件+复印件4)

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0px; TEXT-TRANSFORM: none; BACKGROUND-COLOR: rgb(255,255,255); LIST-STYLE-TYPE: none; TEXT-INDENT: 28px; MARGIN: 20px 0px 0px; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0px; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0px; FONT: 14px/26px Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0px; -webkit-text-stroke-width: 0px">       (7)、收入证明(原件+复印件1,要用从公积金中心网站下载的格式,纯公积金贷款不需要。

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">8)、社保缴纳证明(原件+复印件1,要近期的)

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">9)、个人证信报告(原件+,要近期的)

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">10)、公积金卡

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">11)、准备申请哪家银行贷款,提供银行卡

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">办理过程,一天内办完

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">1.先去社保局(郑和西路29号)拉社保缴纳证明,身份证原件就可,一个人办就行

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">2.人民银行(人民路)拉个人证信报告,夫妻双方都要到场,身份证原件+复印件1

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">3.去公积金心办理:取号---柜台交资料初核----初核通过-----找银行初审,银行开组合贷款联系单-----回公积金柜台正式申请,要等30-40

RDER-BOTTOM: 0px; BORDER-LEFT: 0px; PADDING-BOTTOM: 0pt; TEXT-TRANSFORM: none; LIST-STYLE-TYPE: none; TEXT-INDENT: 21pt; MARGIN: 15pt 0pt 0pt; OUTLINE-STYLE: none; OUTLINE-COLOR: invert; PADDING-LEFT: 0pt; OUTLINE-WIDTH: medium; LETTER-SPACING: normal; PADDING-RIGHT: 0pt; FONT: 14px/19.5pt Arial, 宋体, SimSun, HELVETICA, 'Hiragino Sans GB'; WHITE-SPACE: normal; BACKGROUND: rgb(255,255,255); COLOR: rgb(51,51,51); OVERFLOW: visible; BORDER-: 0px; BORDER-RIGHT: 0px; WORD-SPACING: 0px; PADDING-: 0pt; -webkit-text-stroke-width: 0px" class="p">申请通过---去银行正式办理贷款。以上就是在办理公积金贷款所需要的所有证件,缺一不可

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