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威海公积金贷款装修能用吗？

威海公积金贷款装修能用吗？

浏览：64次 | 提问时间： 07-10 09:26

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3个答案

你与岁月 07-10 09:27

你好，威海公积金贷款装修是可以用的，但是需要提取出来，提取的方法有2种：
一、下岗失业且家庭生活困难的
1.填写《威海市住房公积金提取申请表》(一式两份，内容要填写齐全，单位经办人员签字)。
2.缴存职工本人住房公积金帐户。
3.申请人身份证原件及复印件一份。
4.申请人的银行活期存折或工资银行卡。
5.失业证(签发之日起一年以上)原件及复印件一份(复印基本情况，年审情况)。
6.街道办事处或居委会出具的家庭生活困难证明。
7.由配偶一方代办的，提供结婚证原件、复印件二份，各自的身份证原件、复印件一份，申请人一方的银行活期存折或工资银行卡。
二、享受城镇最低生活保障
1.填写《威海市住房公积金提取申请表》(一式两份，内容要填写齐全，单位经办人员签字)。
2.缴存职工本人住房公积金帐户。
3.申请人身份证原件及复印件一份。
4.申请人的银行活期存折或工资银行卡。
5.城乡最低生活保证金领取证、非户主的提供户口簿、结婚证原件及复印件一份。
6.由配偶一方代办的，提供结婚证原件、复印件二份，各自的身份证原件、复印件一份，申请人一方的银行活期存折或工资银行卡。
希望我的回答对你有帮助

晴朗 07-10 09:35

公积金贷款是不能用于房屋的装修的，根据有关规定，公积金贷款只能用于自建住房的翻建和大修等，而装修是包括在内的，为此，借贷人只能通过其他方式来申请贷款。
　　如果借贷人想要申请贷款来用于装修的话，是可以申请个人信用贷款或房产抵押贷款来获得资金的。
　　如果借贷人具有稳定的工作、还款能力较强、个人信用良好，那么就可以申请个人信用贷款了，个人信用贷款无需借贷人提供任何抵押物，仅凭个人资质就能申请贷款，贷款额度通常在借贷人月收入的10倍左右，如果借贷人个人资质较高的话，贷款额度也会提高。
　　此外，如果借贷人名下的房产目前没有任何贷款，并满足有关抵押条件的话，也是可以申请房产抵押贷款来获得资金的，房产抵押贷款的贷款额度通常较高，一般在房产估值的7成左右，不过，可不是所有房产都能办理抵押贷款的，具体情况还需借贷人以有关机构规定为准。
希望可以帮助到你。

青丝半白 07-10 09:44

首先,肯定的说还是能够使用公积金装修房屋的。但能不能使用公积金贷款不是由装修公司的资质决定的,所以也就是说,不管装修公司有多好,与使用公积金没有关联;另外,虽然没有产证,但是按照动迁房也是应该有相关手续的,拿好你的动迁房的相关手续,再由单位开具相关证明,再去公积金管理中心,手续办好后,就能动用你的公积金账户了。

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