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谁说说西安装修提取住房公积金贷款是否可以？

谁说说西安装修提取住房公积金贷款是否可以？

浏览：82次 | 提问时间： 07-10 09:33

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3个答案

无人伴她共白头 07-10 09:33

公积金是直接可以去公积金管理处提取，有公积金贷款，但不知道你所在地有没有了，如果有的话，我建议先不要提取公积金，会有影响的，也有很多地方有装修贷，就是有房子就可以贷了，金额也是很可观的，具体的话可以找找你所在地的融资顾问或者直接找一家银行质询。

回忆着模糊的小时候 07-10 09:42

可以用于装修。公积金装修贷款是使用公积金贷款用于房屋装修，享用公积金贷款利率的一种贷款产品，申请条件：
(1)申请贷款前六个月正常连续缴存本市住房公积金;
(2)具有完全民事责任能力,具有本市城镇常住户口或蓝印户口(非农业);
(3)具有稳定的经济收入和偿还贷款本息的能力;
(4)借款人必须是大(装)修住房的产权人,与正规的装修公司签订工程实施合同;
(5)借款申请人的配偶、同户直系血亲作为住房公积金共同借款人可以参与公积贷款额度计算。
(6)抵押物为借款人实施个人大(装)修的自住住房,并拥有个人完全产权。
希望我的回答能够帮助到你

思念太浅 07-10 09:50

流程大概是:职工提取住房公积金,首先向本单位提出申请,单位审核个人提交的相关证明后,符合提取条件的,单位填写《西安住房公积金个人提取审批表》,集体提取的单位填写《西安住房公积金集体提取审批表》和《西安住房公积金集体提取转移明细表》(以下简称《审批表》),并加盖预留印鉴。单位经办人员或职工个人持《审批表》连同有关证明资料的原件和复印件到给本单位建立住房公积金账户的公积金中心(以下简称为开户的公积金中心)进行审批。公积金中心完成审批和录入业务后,在单位填写的《审批表》上加盖公积金审批专用章。单位经办人员或职工个人持公积金中心已审批的《审批表》以及单位填写并签章的“西安住房公积金管理中心转账凭证”,到开户的公积金中心办理转账业务,公积金中心将职工申请提取的住房公积金转账至其单位基本结算账户,由单位取出支付给职工。如果已经是用商业贷款买了想把公积金提出来的话就要用到当时交税时候的契税票了

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