Provident fund loans six errors 90% of the people had made a mistake – financial Sohu-ekdv-273

Provident fund loans six errors 90% of the people had made a mistake with the financial Sohu around the policy of continuous improvement, the provident fund loans, extraction services towards more conducive to employees in the direction of development, the use of provident fund is convenient, but a lot of friends in the provident fund loans, to do the extraction will fall into some errors, such as the "provident fund account balance to pay the first payment and renovation of housing fund can be extracted, then summarizes several users most of the problems to be analyzed. User Lily: and boyfriend want to use a provident fund loans to buy a house, do not know the couple can not get married together to apply for provident fund? 360 financial analysis: this problem is proposed by Lily, the confusion of the nature of the use of provident fund loans, provident fund loans are loans to the family unit, spouses, parents and children can participate in together with the main credit loans. But the relationship between male and female friends can not be common procedures for the loan amount, if a person is not enough, you can consider applying for the loan portfolio, only for time may grow. 2. of the provident fund account balance to pay the first payment — missing the provident fund extraction rules: mushroom head users want to buy loans for many years, their limited savings, have to rely on parents’ support, because for many years the provident fund account, there should be a lot of money, I want to be able to pay for the extraction of housing provident fund loans for the first payment? 360 financial analysis: presumably a lot of people have the same idea with the mushroom head, the housing provident fund is the purchase of welfare workers, deserved to pay Shoufu, in fact this is a misunderstanding, the purchase only in housing loans, provide relevant invoices, property certificate can apply for provident fund, but not directly paid for pay shoufu. 3. renovation of housing fund can be extracted — to use provident fund extraction don’t understand friends Robne: two years ago to buy a house to some old, want to decorate, with thousands of monthly provident fund, usually do not need, now can apply for extraction for decoration? 360 financial analysis: housing provident fund only for employees to purchase (including second-hand housing), construction, rehabilitation, overhaul (maintenance costs exceed the cost of housing more than 30%) occupied housing can be extracted, and the decoration is not specified in the extraction range, so we can not extract the provident fund for decoration. It is worth mentioning that, although it can not extract provident fund housing decoration, but can apply for housing provident fund decoration loan, what does that mean? Some banks launched the "provident fund loans decoration", require the borrower to a certain period of continuous deposit fund, monthly deposit amount reaches a certain amount, you can submit to the bank provident fund deposit certificate to prove their economic capacity, so as to obtain loans decoration, this is a form of credit. Minsheng Bank (600016, shares) "male loan for example, more than 1 years of continuous deposit fund, personal monthly deposit amount of good credit in more than 500, you can apply for provident fund personal credit loans, these loans can be used for decoration purposes, and does not require the mortgage and loan interest rates are relatively low, is an affordable loan options. It should be noted that not all banks have "provident fund decoration loan", together with the local public"

公积金贷款六大误区 90%的人竟然都搞错了-搜狐理财  随着各地政策的不断完善,公积金贷款、提取服务朝着更利于职工的方向发展,使用公积金虽然便利了,但是不少朋友在申请公积金贷款、办理提取时会陷入一些误区,诸如“公积金账户余额能付首付款”、“装修房屋可以提取公积金”,就总结了几个网友遇到最多的问题给大家作分析。   网友Lily:和男朋友想一起用公积金贷款买房,不知道没结婚的情侣能一起申请公积金吗?   融360分析:Lily提出的这个问题是混淆了公积金贷款使用性质,公积金贷款是以家庭为单位的贷款,配偶、父母和子女都可以跟主贷人一起参与贷款。但是男女朋友关系是不可以共同办理贷款手续的,如果一个人额度不够的话,可以考虑申请组合贷款,只是申请时间上可能会长一些。   2.公积金账户余额能付首付款――没搞清公积金提取规则   网友蘑菇头:工作多年想贷款买房,自己积蓄有限,还得靠父母支持,因为交了多年公积金,账户里应该有不少钱,我在想能不能提取住房公积金付房贷首付款?   融360分析:想必不少人都有跟蘑菇头一样的想法,住房公积金是职工的购房福利,理所应当能用来付首付,其实这是一个误区,购房人只有在买房贷款后,提供相关发票、产权证才能申请提取公积金,而不能直接支取用于付首付。   3.装修房屋可以提取公积金――对公积金提取用途不了解   网友萝卜头:前两年买的房子有些陈旧了,想装修一下,每月交好几千的公积金,平时也用不着,现在能不能申请提取用于装修?   融360分析:住房公积金仅用于职工购买(含二手房)、建造、翻建、大修(维修费用超过房屋造价30%以上)自住住房时可以提取,而装修不在规定提取范围内,所以不能提取公积金用于装修。值得一提的是,虽然不能提取公积金装修房子,但是可以申请住房公积金装修贷款,什么意思呢?有的银行推出了“公积金装修贷款”,要求借款人连续缴存一定期限公积金,月缴存额达到一定金额,可以向银行提交公积金缴存证明来证明自身的经济能力,从而获得装修贷款,这是信用贷款的一种形式。以民生银行(600016,股吧)“公喜贷”为例,连续缴存1年以上的公积金,个人月缴存额在500以上,征信良好,就可以申请个人公积金信用贷款,这类贷款可作装修之用,而且不需要抵押、贷款利率相对较低,是一条经济实惠的贷款选择方式。需要注意的是,并不是所有银行都有“公积金装修贷款”,加上各地公积金缴存额度有差异,银行对“公积金装修贷款”的要求也会不同,具体需咨询当地银行。   去年11月,国务院法制办公布了《住房公积金管理条例(修订送审稿)》,要求放宽公积金提取范围,其中就增加了装修自住住房、交物业费等提取用途。今年3月份,住建部副部长陆克华表示,新的《住房公积金管理条例》正在修订中,还没有正式公布,等正式公布后就真的能提取公积金装修房子了,大家就拭目以待吧。   4.子女可支取父母公积金――没搞清公积金使用规则   网友馒头豆包:我想申请公积金贷款买房,但是我的账户额度不多,我父母那边交了好多年公积金了,一直没提取过,能不能用他们的公积金买房?   融360分析:对于子女购房使用父母公积金的,各地规定有差异,有的城市允许子女可提取父母公积金用于偿还自己住房贷款,但要满足一定条件,比如杭州规定,在付完首付或者开始还贷之后,或者一次性付清之后,可以到柜台审核提取父母公积金偿还贷款;四川宜宾规定,如子女提取父母住房公积金购房的,子女必须与父母中的一方为同一户籍,子女及其父母均无宜宾市住房公积金贷款,且新购房提取需在一年内。所以具体能不能提取,还得看当地公积金中心的规定。   5.租房提取公积金,租金多少就能取多少――不了解公积金提取额度限制   网友余小鱼爱吃鱼:现在跟同事整租了一套两居室,每个人负担2000左右的房租,压力有点大,听说租房可以提取公积金,我每个月扣700左右的公积金,能不能把公积金都取出来支付房租啊?   融360分析:公积金提取额是不能超过实际发生费用的,有的城市规定了每月提取额的上限,例如北京,每月公积金提取额最多不能超过1500元,一个季度不超过4500元,一年不超过18000元,所以即使每个月2000元房租,也只能最多提取1500元。打算提取公积金支付房租的朋友最好咨询一下当地公积金中心,了解一下租房提取限额,免得空欢喜一场。   6.公积金贷款可以使用多次――忽视了限购政策   网友噜啦啦萌:结婚后一共申请了2次公积金贷款,有一套房贷款还的差不多了,现在公积金利率这么低,想申请再买一套房,应该还能申请吧?   融360分析:公积金贷款的申请次数,取决于各地公积金中心规定的贷款政策。比如北京,购买首套房申请公积金贷款后,无论贷款是否结清,都可以再次申请公积金贷款购买二套房,但是购买三套房及以上的话,就不能申请公积金贷款了。所以,公积金贷款,并不是想申请几次就申请几次,这得看当地公积金贷款限贷政策。   融360总结:无论是公积金贷款、还是提取,都要注意各地政策的差异性,了解各种限制条件后再根据自身情况申请办理贷款、提取。   甄选优质的金融产品、评测热门金融产品;科普金融投资知识;提供赚钱方法和途径。让你赚钱更轻松!   查看更多理财干货,请扫描下面二维码关注微信公众号:“金融工厂精选”相关的主题文章: