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小白求助房子装修能用公积金贷款吗，求解答

小白求助房子装修能用公积金贷款吗，求解答

浏览：37次 | 提问时间： 07-01 04:34

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2个答案

AngryBrds 07-01 04:35

您好，很荣幸为您解答。不可以，一套房子只能使用一个公积金贷款，最多另外一个可以用于装修贷款。也就是说一个公积金只能用一次，除非还清贷款，还要和第一次贷款的条件一样才能申请第二次贷款。

伤 07-01 04:43

我也是刚好有接触这块，这里和你说下什么叫公积金吧，很多企业都有交公积金的，公积金，一般指公司公积金，是公司在资本之外所保留的资金金额。根据公积金提留是否为法律上的强制规定，可以将公积金分为法定公积金和任意公积金。此外住房公积金是指国家机关、国有企业、城镇集体企业、外商投资企业、城镇私营企业及其他城镇企业、事业单位及其在职职工缴存的长期住房储金。公积金的用途：职工退休后，凭退休证、身份证等证件资料，可一次性提取全部住房公积金本息余额。装修房子也可以提用公积金，貌似一年只有一次。还可以可申请贷款。凡正常缴存住房公积金六个月以上的干部职工，购买、建造自住住房时，可申请个人住房公积金贷款，公积金贷款利息低。总之有公积金，多一些钱总是好的，某些时候说不定就能用到了。大概就是这些了，很高兴为你解答，希望对你有帮助。祝你生活愉快。

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