缴存、贷款、提取……义乌市住房公积金中心权威答复！
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pics.app.cnyw.net/static/publish/css/style.css?v=1605251010513" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=1605251010513"><!-- 付费贴--> <div class="preview_article "> <!----> <section><section class="empty_paragraph" style="text-align: center; margin-right: 0%; margin-left: 0%; line-height: 0;"></section><section><section><section style="margin: 10px auto;"><section class="" style="margin-bottom: 0px; outline: 0px; text-wrap: wrap; 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; color: #353535; background-color: #ffffff; text-align: center; visibility: visible;">近日</section><section style="margin-bottom: 0px; outline: 0px; text-wrap: wrap; color: #353535; letter-spacing: normal; text-align: start; background-color: #ffffff; visibility: visible;"><section style="outline: 0px; text-align: center; letter-spacing: 0.54px; vertical-align: inherit; widows: 1; visibility: visible; line-height: 1.6em;"><span style="outline: 0px; font-family: arial;"><span style="outline: 0px; font-size: 16px;">义乌市住房公积金中心</span></span></section><section style="outline: 0px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; text-align: center; letter-spacing: 0.54px; vertical-align: inherit; font-size: 16px; widows: 1; visibility: visible; line-height: 1.6em;"><span style="outline: 0px; visibility: visible;"><span style="outline: 0px;">上线《</span><span class="wx_search_keyword_wrap" style="outline: 0px; color: var(--weui-link); cursor: pointer;">政风行风热线</span><span style="outline: 0px;">》节目</span></span></section><p style="outline: 0px; text-align: center;"><img class="rich_pages wxw-img" style="outline: 0px; width: 390px !important; visibility: visible !important;" src="https://pics.app.cnyw.net/FrpS-DKL20sqAyPI3qI_56nZwtVx" /></p><p style="outline: 0px; text-align: center;"><img class="rich_pages wxw-img" style="outline: 0px; width: 397px !important; visibility: visible !important;" src="https://pics.app.cnyw.net/FlJShUlh-p6dRe3nl3esfcNQQrZr" /></p><p style="outline: 0px; text-align: center;"> </p></section><section style="margin-bottom: 0px; outline: 0px; text-wrap: wrap; color: #353535; letter-spacing: normal; text-align: start; background-color: #ffffff; visibility: visible;"><section style="outline: 0px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.544px; visibility: visible;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; visibility: visible;"><section style="margin: 15px 6px; padding: 1em; outline: 0px; overflow: hidden; box-shadow: #a5a5a5 0px 0px 12.8px 0px; visibility: visible; line-height: 1.6em; text-align: justify;"><section style="padding: 0.1em 0.1em 0em; outline: 0px; display: inline-block; color: #ffffff; letter-spacing: 0.54px; background: #fcb42b; text-align: center; visibility: visible; transform: rotate(0deg);"><section style="margin-top: -0.2em; margin-left: -1px; outline: 0px; font-size: 16px; border-color: #be7e03; width: 256.68px; height: 1px; border-top-width: 0.3em; border-top-style: solid; visibility: visible; transform: rotate(-3deg) !important;"></section><section style="padding: 0.5em 0.8em; outline: 0px; visibility: visible;"><p style="outline: 0px; text-align: left; vertical-align: inherit; visibility: visible;"><span style="outline: 0px; visibility: visible; font-size: 18px;"><strong style="outline: 0px; letter-spacing: 0.54px; text-align: center; visibility: visible;"><span style="outline: 0px; visibility: visible; font-family: 仿宋_GB2312;">公积金缴存</span></strong></span></p></section></section></section><section style="margin-top: -1em; margin-right: auto; margin-left: auto; padding-top: 1em; padding-right: 0.5em; padding-left: 0.5em; outline: 0px; width: auto; height: auto; line-height: 1.4em; overflow: hidden; border-top: 0.1em dashed #fcb42b; visibility: visible;"><section style="padding-top: 10px; padding-bottom: 10px; outline: 0px; visibility: visible;"><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; text-align: justify; line-height: 1.6em;"></section><p style="outline: 0px; text-align: center;"><img class="rich_pages wxw-img" style="outline: 0px; width: 561px !important; visibility: visible !important;" src="https://pics.app.cnyw.net/Fo_BLqSJSmDPwbXmDUl57rzS6bIK" /></p><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; text-align: justify; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">公积金缴存的好处有哪些？</span></strong></span></strong></span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; text-align: justify; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">从企业的角度看，根据《住房公积金管理条例》规定，企业为职工缴存的住房公积金在成本中列支，是可以抵扣税的。同时，企业为职工缴存住房公积金，增强职工对企业的归属感，有利于企业留住人才，减少人员流动性；从职工的角度看，职工个人和单位为其缴存的住房公积金都归职工个人所有，而且我们每年都会按照国家规定的利率计息，结息金额会滚入个人账户中。如果离职了，封存满6个月且未在其他地市开户缴存的，可以申请销户提取，在其他地市开户缴存的，可以在异地正常缴存满6个月后，申请转移接续。退休后也可以一次性提取公积金账户余额。在你需要购买或建造自住住房的时候，你可以通过提取、贷款等方式使用住房公积金。一是可以提取住房公积金账户余额用于购建房等住房消费；二是可以申请公积金的低息贷款。目前公积金贷款的利率为首套住房五年以内2.6%、五年以上3.1%，二套住房五年以内3.025%，五年以上3.575%；三是可以提取公积金账户余额用于偿还商业住房按揭贷款或者住房公积金贷款。当然，如在我市行政区域范围内无自有产权住房的，也可以以租赁自住住房理由申请提取。</span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; text-align: justify; line-height: 1.6em;"></section><p style="outline: 0px; text-align: justify;"> </p><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; text-align: justify; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">入职新单位后，单位帮我办理公积金账户，提示“原单位未封存”，这是怎么回事？我要怎么办？</span></strong></span></strong><br style="outline: 0px;" /></span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; text-align: justify; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">您的公积金账户在原单位名下未封存，需联系原单位进行账户封存。由原单位公积金专管员登录“义乌公积金网上办事大厅”——左边目录“变更业务”——“个人账户封存启封”——在右边操作界面里选择“封存”页面，封存职工个人公积金账号。原单位完成账户封存后，由新单位公积金专管员登录“义乌公积金网上办事大厅”——左边目录“变更业务”——内部转移，把职工公积金账号从原单位转入新单位，再选择“个人账户封存启封”——“启封”操作，在“员工名册”里勾选转入的职工，做启封即可。</span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; text-align: justify; line-height: 1.6em;"></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; text-align: justify; line-height: 1.6em;"></section><p style="outline: 0px; text-align: center;"> </p><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong></span><strong style="outline: 0px; color: #000000; font-size: 15px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">公积金账户被封存是怎么回事？要怎么办？</span></strong></span></strong></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;">职工离职后未重新就业的话，公积金账户处于封存状态是正确的，封存就是停缴不交了的意思；如果你入职新单位，新单位会帮你办理账户内部转移、启封并缴存公积金。如果你没有入职新单位，封存并停缴满6个月后，可以在浙里办APP上办理“与单位终止劳动关系提取公积金”。</span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;"> </span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong></span><strong style="outline: 0px; color: #000000; font-size: 15px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">现在公司注册登记之后会自动办理公积金账户，公积金网上办事大厅也能成功登录，但是在办理缴存业务的时候提示“不支持线上缴存，未签约托收”，请问这是怎么回事？</span></strong></span></strong></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;">因为全省实行的“企业开户一件事”联办事项，单位注册营业执照后，市场监管局会自动推送企业注册信息，住房公积金系统会自动生成单位公积金账号。企业要正常缴存公积金，需要去义乌公积金合作银行网点线下签约托收协议，才能自动托收缴存公积金。单位公积金账号生成后，单位网厅即可登录，但是建议单位经办人先去线下签约托收协议，再去增加职工个人账号，避免单位起缴年月有误。</span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;"> </span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong></span><strong style="outline: 0px; color: #000000; font-size: 15px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">我的公积金一般每个月月初就会扣缴成功了，这个月我忘了往银行卡里存钱，所以公积金一直没缴成功，我还能补吗？会有什么影响吗？</span></strong></span></strong></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;"><span style="outline: 0px;">公积金的委托扣款时间为每个月的5-20日，期间如果扣款不成功，中心会再次发起扣款，所以只要在此期间在用于缴存扣款的银行卡账户里存够充足的资金，都是能够扣款成功的。如果您本月确实没有扣款成功，可以在下个月在银行卡账户里存入2个月的缴存额，中心会在发起扣款时自动补扣上个月未到账的公积金。但是，断缴后补缴，公积金的连续缴存月份会从补缴后重新进行计算，在申请租房提取、公积金贷款等需要查看连续缴存月份的业务时，可能会因为月份不足而导致业务办理失败。如果你办理了“公积金冲还贷”业务或“商贷冲还贷”业务，在你断缴的当月，可能会因为公积金账户内余额不足导致</span><span class="wx_search_keyword_wrap" style="outline: 0px; color: var(--weui-link); cursor: pointer;">公积金提取</span><span style="outline: 0px;">失败。所以请务必注意您的公积金委托扣款账户内余额，尽量避免发生断缴的情况。</span></span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;"> </span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong></span><strong style="outline: 0px; color: #000000; font-size: 15px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">我们公司有个职工是上个月离职了，但是我忘了给他办理账户封存，这个月又给他缴了公积金，怎么办？可以申请退回吗？</span></strong></span></strong></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;">公积金是当月缴存上月的，如果他是上个月离职的，按照规定本月确实应该为他缴存公积金，在本月为他办理账户封存即可。如果确实发生了多缴的情况，可以登录浙江政务服务网搜索“住房公积金退缴”，通过法人登录办理退缴业务，也可以到办理缴存托收的银行业务网点线下办理。退缴资料：退缴情况说明加盖单位公章、住房公积金退缴登记表加盖单位公章+经办人签名。</span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;"> </span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong></span><strong style="outline: 0px; color: #000000; font-size: 15px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">企业新交公积金，带什么材料，到哪里办公积金开户？</span></strong></span></strong></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;">企业新开单位公积金账户，请携带营业执照、银行开户许可证（或基本存款账户信息）、公章、法人章、经办人身份证，到公积金缴存业务合作银行网点签署委托扣款协议。基本户为工行、农行、建行、中行、稠州银行、农商银行的，请前往开户银行的公积金业务合作网点办理；基本户为其他银行的，请就近前往上述六家银行的业务合作网点办理。</span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;"> </span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong></span><strong style="outline: 0px; color: #000000; font-size: 15px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">我想申请公积金贷款，但是之前我缴的太少了，贷不了多少钱，我想缴高一点，需要怎么办？</span></strong></span></strong></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;">想要调整公积金月缴存额，需要在每年7月份申请调整缴存基数或缴存比例。如您是单位职工，由单位公积金专管员登录“公积金网上办事大厅”，在基数调整功能模块办理，调整后的缴存基数应是职工上一年度月平均收入。如您是灵活就业人员，可以前往您办理公积金缴存开户的网点申请调整缴存基数或缴存比例。</span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;"> </span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong></span><strong style="outline: 0px; color: #000000; font-size: 15px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">我的公积金贷款还没还清，现在从单位离职了，暂时还没找到新单位，前几天我收到短信要我交公积金，我能不交吗？不交会怎么样？</span></strong></span></strong></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;">公积金贷款未还清时，不允许停止缴存公积金，离职的职工应主动申请办理个人缴纳住房公积金业务。如果您目前还没找到新单位工作，就以灵活就业人员名义正常缴存公积金，等以后找到新单位，再转移到新单位公积金账号下缴存。您个人名义缴存进来的公积金，仍可以按月冲还贷，帮你偿还公积金贷款。在住房公积金贷款发放后停止缴存的借款人，我们会发放《催缴通知书》，督促其按贷款时的缴存标准足额缴存，逾期不缴的，我们有权提前收回剩余贷款金额。同时，中心会将相关信息、记录提交至信用评价单位。</span></section><p style="outline: 0px;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;"> </span></p><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong></span><strong style="outline: 0px; color: #000000; font-size: 15px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">工作单位换了公积金账户如何转移？</span></strong></span></strong></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;">工作单位变动，分以下三种情况：（1）在义乌市范围内工作调动的，原单位在义乌公积金网上办事大厅办理个人账户封存，新单位在义乌公积金网上办事大厅办理办理内部转移、启封，无需个人办理转移手续；（2）从义乌调动至外地工作，原单位在义乌公积金网上办事大厅办理个人账户封存，外地新单位在当地公积金中心新设立个人账号，待新缴存地公积金连续缴存满6个月后，职工本人到微信小程序搜索“全国住房公积金”，在小程序首页点击 “热门服务”-“转移接续“ 按钮，根据提示选择转出公积金中心名称，转入公积金中心名称，提交申请即可；（3）从外地调至义乌工作，新单位在浙江政务网上，办理“个人住房公积金账号设立”，待义乌公积金连续缴存满6个月后，职工本人到微信小程序搜索“全国住房公积金”，在小程序首页点击 “热门服务”-“转移接续“ 按钮，根据提示选择转出公积金中心名称，转入公积金中心名称，提交申请即可。</span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;"> </span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong></span><strong style="outline: 0px; color: #000000; font-size: 15px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">灵活就业人员缴存公积金，每月要缴存多少？</span></strong></span></strong></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;">灵活就业人员的缴存基数范围：2260元—29737元；缴存比例范围5%-12%；月缴存额=缴存基数*缴存比例*2，范围是226元—7136元。您在规定的区间值范围里申报就可以。</span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;"> </span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000; font-size: 15px;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：</span></strong></span></strong></span><strong style="outline: 0px; color: #000000; font-size: 15px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">我上个月从原公司离职了，这个月查询的时候发现上个月的公积金没有到账，但我知道公司上个月是给我正常缴存过的，这是怎么回事？</span></strong></span></strong></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; letter-spacing: 0.54px; color: #000000;"><strong style="outline: 0px; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; font-size: 15px; letter-spacing: 0.544px;">义乌公积金缴存托收机制，是本月托收上个月公积金。公积金托收一般每月5号开始托收（周末、节假日顺延到第一个工作日），批扣3-4次，如果月底20号仍没有到账，需要原单位登录义乌公积金网厅核查，是否提早封存了，导致本月托收汇缴清册里没有你的名字。如果确实漏缴了，原单位登录网厅，可以先启封漏缴职工，再做补缴核定业务，补缴数据录入后，再立即封存职工账号，公积金中心会发起补缴托收业务。</span></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"></section><section style="outline: 0px; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"></section></section></section></section></section></section></section></section><section style="outline: 0px; font-family: Helvetica Neue, Hiragino Sans GB, Microsoft YaHei, 黑体, Arial, sans-serif;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px; letter-spacing: 0.544px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><section style="outline: 0px; line-height: 27.2px; letter-spacing: 0.544px; min-height: 0px; background-image: none; background-clip: border-box; background-position: 0% 0%; background-repeat: repeat; background-size: auto; bottom: auto; float: none; height: auto; left: auto; max-height: none; min-width: 0px; text-decoration-style: solid; text-decoration-color: #333333; top: auto; z-index: auto; visibility: visible; clear: none; border: 0px none #333333;"><section style="outline: 0px; letter-spacing: 0.544px; font-size: 16px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px; text-align: justify;"></section></section></section></section></section></section></section></section></section></section><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="margin: 15px 6px; padding: 1em; outline: 0px; overflow: hidden; box-shadow: #a5a5a5 0px 0px 12.8px 0px; line-height: 1.6em; text-align: justify;"><section style="padding: 0.1em 0.1em 0em; outline: 0px; display: inline-block; letter-spacing: 0.54px; background: #fcb42b; text-align: center; color: #ffffff; transform: rotate(0deg);"><section style="margin-top: -0.2em; margin-left: -1px; outline: 0px; font-size: 16px; border-color: #be7e03; width: 256.68px; height: 1px; border-top-width: 0.3em; border-top-style: solid; transform: rotate(-3deg) !important;"></section><section style="padding: 0.5em 0.8em; outline: 0px; text-align: left;"><section style="padding: 0.1em 0.1em 0em; outline: 0px; display: inline-block; letter-spacing: 0.54px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; transform: rotate(0deg);"></section><section style="padding: 0.1em 0.1em 0em; outline: 0px; display: inline-block; letter-spacing: 0.54px; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; transform: rotate(0deg);"><span style="outline: 0px; font-size: 18px;"><strong style="outline: 0px;">公积金提取</strong></span></section></section></section></section><section style="outline: 0px;"><section style="outline: 0px;"><section style="outline: 0px;"><p style="outline: 0px; text-align: center;"><img class="rich_pages wxw-img" style="outline: 0px; visibility: visible !important; width: 677px !important;" src="https://pics.app.cnyw.net/FrVmfoapVHhzjA_vTesVx2Gvzaas" /></p><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em; text-align: justify;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">我听说现在可以直接提取公积金支付首付款了，请问要怎么办理？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em; text-align: justify;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">需要提取人携带本人身份证、《认购协议》、《义乌市缴存职工提取住房公积金支付新建商品住房首付款承诺书》到合作银行公积金业务承办网点申请提取，如果配偶、直系亲属关系共同申请提取的，需要所有提取人都到场，并提供可表明亲属关系的材料。需要注意的是，《义乌市缴存职工提取住房公积金支付新建商品住房首付款承诺书》中所有提取人都需根据表格要求完整填写相关信息并签字；收款账户需填写开发商的监管账户，并在相应位置加盖开发商公司章。提取成功后需在5个工作日内办理《商品房买卖合同》备案，如未完成备案或合同被撤销，应将提取金额全额退回中心指定账户。</span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em; text-align: justify;"></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; text-align: justify; line-height: 1.6em;"></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em; text-align: justify;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">凭权益证可以提取公积金吗？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em; text-align: justify;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">不能，如您是拆迁取得的权益面积，需提供《义乌市城乡新社区集聚面积权益置换审批表》或权益合同+收款收据办理提取，或者在办理不动产权证后可以申请提取；如是从他人处购买的权益，须在办理不动产权证后提取公积金。</span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em; text-align: justify;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"> </span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">城市有机更新的房子，征收协议上是我父母的名字，可以提取我的公积金吗？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">可以的，可以凭征收协议、户口本等可以表明亲属关系的材料提取。登录“浙里办”APP，在“公积金”板块选择“购买自住住房提取”，自住住房分类情况中选择“购买拆迁安置房”即可。这里需要提醒一点，申请人与购房人关系一栏请选择“本人”，在后续上传材料环节需要上传户口本能表明亲属关系的材料照片。</span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"> </span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">提取公积金时，系统不让提交，显示说我的账户不是一类账户，请问是什么意思？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">由于银行卡收款限额问题，公积金提取的收款银行卡账户必须使用一类储蓄卡，请您更换收款银行卡账户，确认银行卡性质后再次提起申请。</span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em; text-align: justify;"></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em; text-align: justify;"></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; vertical-align: inherit; letter-spacing: 0.54px; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section><section style="margin-bottom: 0px; outline: 0px; letter-spacing: 0.578px; text-wrap: wrap; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; background-color: #ffffff;"><section style="outline: 0px;"><section style="outline: 0px;"><section style="margin: 15px 6px; padding: 1em; outline: 0px; letter-spacing: 0.544px; overflow: hidden; box-shadow: #a5a5a5 0px 0px 12.8px 0px; line-height: 1.6em;"><section style="padding: 0.1em 0.1em 0em; outline: 0px; display: inline-block; letter-spacing: 0.54px; background: #fcb42b; text-align: center; color: #ffffff; transform: rotate(0deg);"><section style="margin-top: -0.2em; margin-left: -1px; outline: 0px; font-size: 16px; border-color: #be7e03; width: 256.68px; height: 1px; border-top-width: 0.3em; border-top-style: solid; transform: rotate(-3deg) !important;"></section><section style="padding: 0.5em 0.8em; outline: 0px;"><p style="outline: 0px; text-align: left; vertical-align: inherit;"><span style="outline: 0px; font-size: 18px;"><strong style="outline: 0px; letter-spacing: 0.54px; text-align: center;"><span style="outline: 0px; font-family: 仿宋_GB2312;">公积金贷款</span></strong></span></p></section></section></section><section style="margin-top: -1em; margin-right: auto; margin-left: auto; padding-top: 1em; padding-right: 0.5em; padding-left: 0.5em; outline: 0px; width: auto; height: auto; line-height: 1.4em; overflow: hidden; border-top: 0.1em dashed #fcb42b;"><section style="outline: 0px;"><p style="outline: 0px; text-align: center;"><img class="rich_pages wxw-img" style="outline: 0px; visibility: visible !important; width: 646px !important;" src="https://pics.app.cnyw.net/FlPFkkmuMBCourhi0GBG-HI70N3Y" /></p><section style="outline: 0px; letter-spacing: 0.54px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：听说义乌现在有一个“商转公贷款平移”业务，可以把商贷换成公积金贷款，我想来了解一下这个业务。</span></strong></span></strong></span></section><section style="outline: 0px; letter-spacing: 0.54px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; letter-spacing: 1px; font-size: 15px;">如果你是公积金缴存人，在满足公积金贷款的全部条件，并且申请商贷的住房已经办理了不动产权证的情况下，可以在向银行申请提前结清商贷后的6个月内向我中心申请办理公积金贷款，这是我们平时所说的“商转公”贷款。现在实现的“商转公贷款平移”业务，不再需要你提前结清商贷后才能申请公积金贷款。当你满足“商转公”贷款的条件后，你可以直接向银行申请办理这项业务，中心和银行审批通过后，我中心会直接将你的公积金贷款金额转入银行对公账户，用于偿还你的商贷，你只需要自行结清商贷剩余本息和公积金贷款金额的差额部分即可。目前，我中心的合作银行都支持办理“商转公贷款平移”业务。</span></section><section style="outline: 0px; letter-spacing: 0.54px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"></section><section style="outline: 0px; letter-spacing: 0.54px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><span style="outline: 0px; color: #1a1b1c; letter-spacing: 1px;"> </span></span></section><section style="outline: 0px; letter-spacing: 0.54px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：请问组合贷款要怎么申请？能贷出来多少？</span></strong></span></strong></span></section><section style="outline: 0px; letter-spacing: 0.54px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">根据您所购房屋类型，携带您的身份证、户口本、结婚证、购房合同或不动产权证、契税发票等相关材料前往公积金贷款业务经办网点申请办理即可。需要注意的是，组合贷款涉及到公积金中心和银行两个贷款方，在提出贷款申请前，您需要自行先到贷款银行咨询了解组合贷款中商业贷款部分的相关事宜。组合贷款的最高可贷额度不得超过借款人或夫妻双方的最高偿还能力，同时不能超过所购房产总价的70%；公积金贷款部分不得超过公积金中心测算出的可贷额度。</span></section><section style="outline: 0px; letter-spacing: 0.54px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"> </span></section><section style="outline: 0px; letter-spacing: 0.54px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">：我正在还公积金贷款，但是还款的银行卡现在被冻结了，那我公积金还款还能从这张卡上扣吗？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">不可以，卡被冻结了，我们是无法从里面扣划你的还贷款项的。你可以通过浙里办APP或者到你的放款银行申请办理还款账号变更业务，也可以及时与我们联系，申请线下还款。</span></section><p style="outline: 0px;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"> </span></p><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">我婚前申请了公积金贷款，现在结婚了，我老公（老婆）也在缴公积金，那他可以加入冲还贷吗？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">可以的，让你老公（老婆）携带本人身份证、结婚证到你的放款银行申请办理公积金冲还贷业务就行。</span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"> </span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">权益证可以申请公积金贷款吗？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">权益证不能申请贷款，要不动产权证做出来才可以。另外，不动产证必须是国有土地上出让性质的，证上面不能有不可转让的面积。</span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"> </span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">我现在的公积金贷款马上就要结清了，准备结清之后再买一套房子，可以申请公积金贷款吗？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">符合公积金贷款条件的前提下，在您的公积金贷款结清后即可申请新的公积金贷款。但是需要提醒您注意一点，按照现行政策，公积金贷款的额度与您公积金账户的余额有关。如果您现在正在偿还公积金贷款，那么您是自动办理了公积金冲还贷业务的，也就是我们每个月会自动帮您提取公积金到您的还款账户上。请提前查看公积金账户中还有多少余额，如有需要可以到申请公积金贷款的委贷银行申请终止公积金冲还贷业务。</span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"> </span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;"><span style="outline: 0px;">我听说公积金贷款现在实行“</span><span class="wx_search_keyword_wrap" style="outline: 0px; color: var(--weui-link); cursor: pointer;">认房不认贷</span><span style="outline: 0px;">”，可以说一下这是什么意思吗？</span></span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">目前我市公积金执行“认房不认贷”，认房只认义乌市行政区域内的成套住房，不认贷是指首次或二次申请公积金贷款的，借款人家庭成员在义乌市行政区域内无其它住宅的，按首套利率执行，但在全国范围内使用公积金贷款已有两次的不得再次申请。房屋套数是以借款人家庭为单位计算的，这里的家庭指的是借款人、借款人配偶、未成年子女，与是否婚前房产无关。如果是父母的房子过户的，需要提供这套房子的析产公证书，这样可以不认定为一套。</span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"> </span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">我申请了公积金贷款，这个月的还款日忘了在还款卡里存钱，没有还款成功，后来已经把钱存到银行卡里了，也还成功了，这样算逾期吗？会对我征信有影响吗？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">公积金还款日为每个月20-30日，在还款期内，我中心会每日发起一次扣款。账户余额不足的，我们会发送短信提醒您及时补足还款金额，并在次日再次发起扣款。在此期间还款成功都不算逾期，不影响您征信。</span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"> </span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">我是在义乌缴公积金的，我老公是军人，在部队缴公积金，他的公积金可以用来公积金贷款吗？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">由你老公所在部队提供盖公章的收入说明，还有公积金账户余额、最近12个月的缴存明细。这样可以按照双职工进行公积金贷款并计算额度的。</span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"> </span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">请问农村旧村改造可以公积金贷款吗，能贷款的话需要准备什么资料？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"><span style="outline: 0px;"><span style="outline: 0px;">如果是垂直房，可以申请</span><span class="wx_search_keyword_wrap" style="outline: 0px; color: var(--weui-link); cursor: pointer;">建房贷款</span><span style="outline: 0px;">，需携带本人身份证、户口本（夫妻双方需携带结婚证）、人行征信记录、建筑规划许可证或审批表或准建证、义乌市范围内一套国有土地上房产不动产证（用于抵押），前往公积金贷款业务承办网点申请办理。如果是高层住房（集聚区），在房屋办理不动产权证后一周年内可以申请购房贷款，需携带本人身份证、户口本（夫妻双方需携带结婚证）、</span></span><span class="wx_search_keyword_wrap" style="outline: 0px; color: var(--weui-link); cursor: pointer;">人行征信</span><span style="outline: 0px;">记录、本套房屋不动产权证，前往公积金贷款业务承办网点申请办理。需要注意的是，用于抵押的房屋产权人中不能出现超过65周岁的老人和未成年人，且不动产权证上不能有不可转让面积字样。</span></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">问：</span></strong></span></strong><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">缴存在异地的公积金怎么在义乌使用？</span></strong></span></strong></span></section><section style="outline: 0px; font-size: 1em; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; letter-spacing: 0.54px; color: #353535; vertical-align: inherit; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; line-height: 1.6em;"><span style="outline: 0px; font-size: 15px;"><strong style="outline: 0px; color: #000000; letter-spacing: 0.544px;"><span style="outline: 0px; letter-spacing: 1px;"><strong style="outline: 0px; letter-spacing: 0.54px; font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><span style="outline: 0px; letter-spacing: 1px;">答：</span></strong></span></strong></span><span style="outline: 0px; color: #1a1b1c; font-size: 15px; letter-spacing: 1px;">如果您在义乌购房或建房且符合相关政策条件，可以向我中心申请公积金贷款，同时可以向缴存地中心申请购（建）房提取。</span></section></section></section></section></section></section></section></section></section><section style="text-align: center; margin-top: 10px; margin-right: 0%; margin-left: 0%; line-height: 0;"><section style="vertical-align: middle; display: inline-block; line-height: 0; width: 30%; height: auto;"></section></section><section style="margin-top: 10px; margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 16px; white-space: normal; background-color: #ffffff; letter-spacing: 0.578px; text-align: center; line-height: 0;"></section><section style="margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 16px; white-space: normal; background-color: #ffffff; letter-spacing: 4px;"></section><p style="margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; white-space: normal; background-color: #ffffff; text-align: center;"> </p><section style="margin: 8px 0% 16px;"><section style="border-width: 0px 0px 1px; border-style: solid; border-bottom-color: #ff8124; font-size: 12px;"><p style="text-align: center;"> </p><p style="text-align: center;">来源：<span style="color: #222222; font-family: 微软雅黑, sans-serif; font-size: 12px; letter-spacing: 0.5px; text-align: start; caret-color: #222222; text-wrap: wrap; background-color: #ffffff;">义乌融媒体中心</span></p></section></section></section><p style="display: none;"> </p> <!----></div> 好好好 好好好 一个月200的我们不知道能干什么用？ 用于抵押的房屋产权人中不能出现超过65周岁的老人和未成年人，但旧改都是爸妈子女联合审批的，这条件就是不允许大部分人贷款的意思？ 女婿V版。宝宝() 都是一点用没有的，自己的公积金里面就是个数字，只能看，取不出来，要取出去就是不符号或者缺少这个文件，那个资料。空了了的 公积金起步价，个人一佰，企业一佰！https://pics.app.cnyw.net/bigface/1_05.png
两风节目好多年了，上抖音了没有？