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小白求助公积金能申请装修贷款吗

小白求助公积金能申请装修贷款吗

浏览：28次 | 提问时间： 08-05 11:14

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不敢恋人不甘朋友 08-05 11:15

可以的，除了装修合同外，应该还需要购房合同或者房产证的原件及复印件。先去住房公积金的开户银行或者管理中心领申请表，填表盖章（单位），再到公积金管理中心审批，通过后就能直接去开户银行取钱了，现在一般是通过存折转帐的公积金大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*(装)修的自住住房,并拥有个人完全产权。

青春如梦 08-05 11:24

可以，不过如果买房时已经用住房公积金贷款了，装修时是不可以贷款的。只有以下几种情况可提取住房公积金: 1、购买、建造、翻建、大修具有所有权的自住住房的； 2、离休、退休的； 3、完全丧失劳动能力，并与单位终止劳动关系的； 4、户口迁出本市且不在本市就业的或出境定居的； 5、偿还购自住住房贷款本息的； 6、被纳入本市城镇居民最低生活保障，租住公有住房且房租超出家庭月收入30%的； 7、‍职工*亡或者被宣告*亡的，其继承人、受遗赠人依法取得受益权的。

那年盛夏 08-05 11:32

你好，可以得。必须是有指定账户的装修公司，拿着你与装修公司签订的装修合同，到你单位所在地住房公积金管理中心要申请表，回单位填表盖章，到公积金管理中心审核盖章，就以到指定银行办理相关手续了。

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