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合肥公积金贷款不设五年门槛 还清后即可再次申请
日期:2018年8月7日 浏览[]


近日,国家公积金中心宣布,公积金贷款买房必须等待第一笔贷款结算5年。记者从合肥市住房公积金管理中心获悉,合肥公积金再融资只需还清。然而,一个家庭只能使用公积金两次。


1月3日,中央国家机关住房公积金管理中心发布通知,第一批住房公积金个人贷款清理5年,住房公积金个人贷款可按规定重新申请。记者了解到,该通知的主要目标是在北京市住房和城乡建设委员会房地产交易系统中签订的房地产合同网上签约时间为2014年1月1日(含)职工,且不会影响合肥公民。


现在在合肥,如果购买住房公积金个人贷款,不能偿还之前,它可以再次使用。还款后,只要它仍然符合政策要求,可以再次申请住房公积金个人贷款,无间隔要求。对于一个家庭,只能使用两个公积金贷款。此外,借款人和配偶只能同时享受住房公积金贷款。


当贷款再次使用时,必须注意贷款的到期日。最高贷款期限为20年,借款人的年龄和贷款期限不得超过法定退休年龄5年以上,并应在退休前申请贷款。

Recently, the State Administration of provident fund center announced that provident fund loans to buy a house must wait for the first loan to settle for 5 years. Reporters learned from the Hefei housing provident fund management center, Hefei provident fund refinancing only need to pay off. However, a family can only use the provident fund for two times.
In January 3rd, the central state organ housing fund management center issued a notice that the first housing provident fund personal loan was cleared for 5 years, and the housing provident fund individual loan could be applied again according to the regulations. The reporter learned that the main target of the notice is in Beijing housing and urban and rural construction commission real estate transaction system in the real estate contract online contract time for the January 1, 2014 (containing) workers, and will not affect the citizens of Hefei.


Now in Hefei, if the purchase of housing provident fund personal loans, can not be repaid before it can be used again. After the repayment, as long as it still meets the policy requirements, can apply for housing provident fund personal loans again, no interval requirement. For a family, only two provident fund loans can be used. Moreover, borrowers and spouses can only enjoy a housing accumulation fund loan at the same time.


It is necessary to pay attention to the maturity of the loan when the loan is used again. The maximum loan period is 20 years, and the borrower's age and loan term should not be more than 5 years after the legal retirement age, and the loan should be applied before the retirement.





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