新中游棋牌

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                      1. 当前位置:百姓购房网 > 购房问答 > 问题
                        你好!请问一下,我想提取公积金偿还购房商业贷款,需要商业贷款还款一年以上才可以吗?

                        提问时间:2014-6-16 9:21:44 | 浏览次数:15276次

                        2014-6-16 15:32:36

                        您好,职工在偿还所购自住住房商业贷款、组合贷款商业部分或非沈阳住房公积金贷款期间的,可持相关要件到缴存住房公积金的管理部申请提取住房公积金。   偿还商贷或非沈阳住房公积金贷款的提取额度:按年提取偿还商贷的职工在贷款未还清前,职工及其配偶每年可以提取一次不超过年还款金额的住房公积金定期余额。提前部分或全部还款的,可持相关还款凭证,提取不超过提前还款额的账户定期余额。职工在自然年度内,只能办理一次住房公积金提取手续,发生提前还贷的可与当年还贷额一并申请提取或在下年提取时再行办理。2013年4月1日起,首次申请提取住房公积金偿还商贷的职工可选择按年提取方式还贷或选择比照现金购房方式一次性提取(按现金购买自住住房提取条件办理),房屋所有权人及其配偶仅可选择一种且相同的提取方式;选择按年提取的在首次提取时可持相关还款凭证(含提前部分还贷凭证)申请提取已偿还的贷款本息金额。   偿还组合贷款的职工及其配偶在住房公积金贷款全额偿清后,可以比照纯商贷方式进行提取还贷。感谢您对百姓购房网的支持。

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