重磅！公积金新政来了！4月17日起执行
<p><ahref="http://www.minhou.gov.cn/xjwz/jdhy/hygq/202304/t20230413_4584927.htm">重磅！公积金新政来了！4月17日起执行</a></p><br>
<p>《闽侯县政府网》原文地址：
<ahref="http://www.minhou.gov.cn/">首页</a>><ahref="http://www.minhou.gov.cn/xjwz/jdhy/">解读回应</a>><ahref="http://www.minhou.gov.cn/xjwz/jdhy/hygq/">回应关切</a></p>
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来源:闽侯县
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发布时间: 2023-04-13 10:17
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政策文件:
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<div style="text-align: center;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; text-align: justify; letter-spacing: 1.5px; overflow-wrap: break-word !important;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.1875em; overflow-wrap: break-word !important;">好消息！为深入贯彻住房和城乡建设部关于落实租购并举制度重点支持新市民、青年人解决住房问题工作要求，按照福州住房公积金管理委员会议审议通过的《关于优化租房购房提取政策和进一步支持多子女家庭购房贷款的通知》，<span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(255, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">4月17日开始，省直住房公积金租房购房业务推行5项新政策</strong></span>。</p>
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<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; color: rgb(251, 115, 60); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 20px; letter-spacing: 1px; text-align: center; background-color: rgb(255, 245, 237); overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">新政策有何变化？</strong></p>
<section powered-by="xiumi.us" style="margin: 10px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-size: 14px; letter-spacing: 1px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 50px; height: 50px; vertical-align: top; overflow: hidden; background-position: 50% 50%; background-repeat: no-repeat; background-size: contain; background-attachment: scroll; background-image: url("https://mmbiz.qpic.cn/mmbiz_gif/qLegbOYW6mE59BG4B2rApIfo51aMv7FiaZbhGpk5dfOlpCUcpoaFUcYJsd6cjMYyh8e0UyJmSmP6WBsibf7hAqvQ/640?wx_fmt=gif");"><section powered-by="xiumi.us" style="margin: 7px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 36px; height: 36px; vertical-align: top; overflow: hidden; background-image: linear-gradient(90deg, rgb(251, 196, 125), rgb(254, 216, 180)); border-radius: 50%;"><section powered-by="xiumi.us" style="margin: -1px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(187, 47, 36); line-height: 2.5; font-size: 16px;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">一</strong></p>
</section></section></section></section></section></section></section><section style="margin: 0px; padding: 1px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 100 100 0%; height: auto; background-image: linear-gradient(270deg, rgb(251, 196, 125), rgba(254, 216, 180, 0));"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; justify-content: flex-start; display: flex; flex-flow: row nowrap;"><section style="margin: 0px; padding: 0px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 517.297px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(254, 255, 255); border-style: solid; border-width: 1px 1px 1px 0px; border-top-color: rgb(255, 164, 30); border-bottom-color: rgb(255, 164, 30); border-right-color: rgb(255, 164, 30);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(187, 47, 36); font-size: 16px; letter-spacing: 1.5px;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">优化租房提取频次和条件</strong></p>
</section></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-size: 14px; overflow-wrap: break-word !important;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"> </p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">将租房提取频次由</span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(255, 0, 0); overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">每半年一次调整为每月一次</strong></span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">，优化后职工家庭每月可申请提取公积金支付房租。此外，</span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(255, 0, 0); overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">租房提取条件不再与购房提取记录挂钩</strong></span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">，职工申请过购房提取但在缴存地无房的，可以申请租房提取。</span></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;"><br style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">
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</section><section powered-by="xiumi.us" style="margin: 10px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-size: 14px; letter-spacing: 1px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 50px; height: 50px; vertical-align: top; overflow: hidden; background-position: 50% 50%; background-repeat: no-repeat; background-size: contain; background-attachment: scroll; background-image: url("https://mmbiz.qpic.cn/mmbiz_gif/qLegbOYW6mE59BG4B2rApIfo51aMv7FiaZbhGpk5dfOlpCUcpoaFUcYJsd6cjMYyh8e0UyJmSmP6WBsibf7hAqvQ/640?wx_fmt=gif");"><section powered-by="xiumi.us" style="margin: 7px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 36px; height: 36px; vertical-align: top; overflow: hidden; background-image: linear-gradient(90deg, rgb(251, 196, 125), rgb(254, 216, 180)); border-radius: 50%;"><section powered-by="xiumi.us" style="margin: -1px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(187, 47, 36); line-height: 2.5; font-size: 16px;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">二</strong></p>
</section></section></section></section></section></section></section><section style="margin: 0px; padding: 1px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 100 100 0%; height: auto; background-image: linear-gradient(270deg, rgb(251, 196, 125), rgba(254, 216, 180, 0)); border-top: 1px solid rgb(255, 164, 30); border-bottom: 1px solid rgb(255, 164, 30); border-right: 1px solid rgb(255, 164, 30);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; justify-content: flex-start; display: flex; flex-flow: row nowrap;"><section style="margin: 0px; padding: 0px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 516.297px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(254, 255, 255);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(187, 47, 36); font-size: 16px; letter-spacing: 1.5px;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">提高租房提取额度</strong></p>
</section></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-size: 14px; overflow-wrap: break-word !important;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"> </p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; text-indent: 2.2143em; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">将租住商品房的无房职工每人每月最高租房提取额度由原六城区1200元</span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; text-indent: 2.2143em; color: rgb(255, 0, 0); overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">提高至1500元</strong></span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; text-indent: 2.2143em; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">；多子女（生育、抚养两个以上未成年子女）家庭</span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; text-indent: 2.2143em; color: rgb(255, 0, 0); overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">每人每月提高至1800元</strong></span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; text-indent: 2.2143em; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">，着力支持无房的新市民、青年人和多子女家庭租房需求。</span></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; text-indent: 2.2143em; color: rgb(0, 0, 0); overflow-wrap: break-word !important;"><br style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">
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</section><section powered-by="xiumi.us" style="margin: 10px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-size: 14px; letter-spacing: 1px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 50px; height: 50px; vertical-align: top; overflow: hidden; background-position: 50% 50%; background-repeat: no-repeat; background-size: contain; background-attachment: scroll; background-image: url("https://mmbiz.qpic.cn/mmbiz_gif/qLegbOYW6mE59BG4B2rApIfo51aMv7FiaZbhGpk5dfOlpCUcpoaFUcYJsd6cjMYyh8e0UyJmSmP6WBsibf7hAqvQ/640?wx_fmt=gif");"><section powered-by="xiumi.us" style="margin: 7px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 36px; height: 36px; vertical-align: top; overflow: hidden; background-image: linear-gradient(90deg, rgb(251, 196, 125), rgb(254, 216, 180)); border-radius: 50%;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(187, 47, 36); line-height: 2.5; font-size: 16px;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">三</strong></p>
</section></section></section></section></section></section><section style="margin: 0px; padding: 1px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 100 100 0%; height: auto; background-image: linear-gradient(270deg, rgb(251, 196, 125), rgba(254, 216, 180, 0));"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; justify-content: flex-start; display: flex; flex-flow: row nowrap;"><section style="margin: 0px; padding: 0px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 517.297px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(254, 255, 255); border-top: 1px solid rgb(255, 164, 30); border-bottom: 1px solid rgb(255, 164, 30); border-right: 1px solid rgb(255, 164, 30);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(187, 47, 36); font-size: 16px; letter-spacing: 1.5px;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">租房购房提取金额参与贷款额度测算</strong></p>
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<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"> </p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;">职工家庭累计租房提取的金额（限首次申请住房公积金贷款）、购买本套房已提取的金额可计入当前账户余额，参与住房公积金贷款额度测算。为此，职工可安心申请租房提取，不必担心购房贷款额度受影响；并可以在第一时间申请购房提取，<span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(255, 0, 0); box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">无需等到贷款审批放款后</strong></span>，免除职工购房贷款的后顾之忧。</p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"> </p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.1875em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(219, 16, 20); overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">案例分析：</strong></span></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.1875em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(219, 16, 20); overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><br style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">
</strong></span></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.1875em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(219, 16, 20); overflow-wrap: break-word !important;">例1.</span></strong>张先生和配偶王女士在2023年7月首次申请公积金贷款购买一套台江区商品房，双方购房前已累计租房提取公积金8万元，现有公积金账户余额共计10万元。假设该夫妻贷款申请之日至退休之日预计缴存公积金60万元，该家庭公积金贷款额度按以下公式计算：公积金贷款额度=（10+8）×1.2+60×流动性调节系数α（当前为1.2）=93.6万元。由于双职工公积金贷款最高额度80万元，因此，在符合其他贷款条件前提下，张先生家庭公积金贷款额度为80万元。若张先生和王女士在2023年6月30日购房提取公积金账户共计10万元，假设在2023年7月20日申请公积金贷款时双方公积金账户余额为0元，该家庭公积金贷款额度可按以下公式计算：住房公积金贷款额度=（0+10+8）×1.2+60×流动性调节系数α（当前为1.2）=93.60万元，在符合其他贷款条件前提下，张先生家庭贷款额度为80万元。</p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.1875em; overflow-wrap: break-word !important;"> </p>
</section><section powered-by="xiumi.us" style="margin: 10px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-size: 14px; letter-spacing: 1px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 50px; height: 50px; vertical-align: top; overflow: hidden; background-position: 50% 50%; background-repeat: no-repeat; background-size: contain; background-attachment: scroll; background-image: url("https://mmbiz.qpic.cn/mmbiz_gif/qLegbOYW6mE59BG4B2rApIfo51aMv7FiaZbhGpk5dfOlpCUcpoaFUcYJsd6cjMYyh8e0UyJmSmP6WBsibf7hAqvQ/640?wx_fmt=gif");"><section powered-by="xiumi.us" style="margin: 7px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 36px; height: 36px; vertical-align: top; overflow: hidden; background-image: linear-gradient(90deg, rgb(251, 196, 125), rgb(254, 216, 180)); border-radius: 50%;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(187, 47, 36); line-height: 2.5; font-size: 16px;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">四</strong></p>
</section></section></section></section></section></section><section style="margin: 0px; padding: 1px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 100 100 0%; height: auto; background-image: linear-gradient(270deg, rgb(251, 196, 125), rgba(254, 216, 180, 0));"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; justify-content: flex-start; display: flex; flex-flow: row nowrap;"><section style="margin: 0px; padding: 0px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 517.297px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(254, 255, 255); border-top: 1px solid rgb(255, 164, 30); border-bottom: 1px solid rgb(255, 164, 30); border-right: 1px solid rgb(255, 164, 30);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(187, 47, 36); font-size: 16px; letter-spacing: 1.5px;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">优化购房提取有效证明材料</strong></p>
</section></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-size: 14px; overflow-wrap: break-word !important;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"> </p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">职工购买商品房、再交易住房申请提取公积金的，可</span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(255, 0, 0); overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">从最迟取得购房有效证明材料之日起一年内</strong></span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">申请提取，不再要求职工应在不动产登记证明或不动产权证登记起一年内提取，解决部分职工因发票开具迟延等原因，无法申请购房提取的问题。</span></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;"><br style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">
</span></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(219, 16, 20); overflow-wrap: break-word !important;">案例分析：</span></strong></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(219, 16, 20); overflow-wrap: break-word !important;"><br style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">
</span></strong></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(219, 16, 20); overflow-wrap: break-word !important;">例2. </span></strong><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">张先生购买的商品房不动产登记证明日期为2021年7月15日，第二张购房首付款发票日期为2022年1月10日，第三张购房首付款发票日期为2022年12月1日，按原政策，张先生在2023年5月申请购房提取时，已超过了不动产登记证明之日起一年内的时限，不能申请购房提取。按照新政规定，张先生在取得最后一份购房有效证明材料（第三张购房首付款发票）之日起一年内（2023年12月）可申请购房提取。购房提取金额不得超过实际支付的首付款金额或一次性支付的购房总价。</span></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;"><br style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">
</span></p>
</section><section powered-by="xiumi.us" style="margin: 10px 0px 5px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-size: 14px; letter-spacing: 1px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 0 0 auto; min-width: 5%; height: auto;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 50px; height: 50px; vertical-align: top; overflow: hidden; background-position: 50% 50%; background-repeat: no-repeat; background-size: contain; background-attachment: scroll; background-image: url("https://mmbiz.qpic.cn/mmbiz_gif/qLegbOYW6mE59BG4B2rApIfo51aMv7FiaZbhGpk5dfOlpCUcpoaFUcYJsd6cjMYyh8e0UyJmSmP6WBsibf7hAqvQ/640?wx_fmt=gif");"><section powered-by="xiumi.us" style="margin: 7px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 36px; height: 36px; vertical-align: top; overflow: hidden; background-image: linear-gradient(90deg, rgb(251, 196, 125), rgb(254, 216, 180)); border-radius: 50%;"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(187, 47, 36); line-height: 2.5; font-size: 16px;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">五</strong></p>
</section></section></section></section></section></section><section style="margin: 0px; padding: 1px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: middle; width: auto; align-self: center; flex: 100 100 0%; height: auto; background-image: linear-gradient(270deg, rgb(251, 196, 125), rgba(254, 216, 180, 0)); border-top: 1px solid rgb(255, 164, 30); border-bottom: 1px solid rgb(255, 164, 30); border-right: 1px solid rgb(255, 164, 30);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; justify-content: flex-start; display: flex; flex-flow: row nowrap;"><section style="margin: 0px; padding: 0px 5px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 516.297px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgb(254, 255, 255);"><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(187, 47, 36); font-size: 16px; letter-spacing: 1.5px;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">支持多子女家庭购房贷款</strong></p>
</section></section></section></section></section><section powered-by="xiumi.us" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-size: 14px; overflow-wrap: break-word !important;">
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;"><br style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">
</span></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">多子女家庭购买首套房申请公积金贷款，额度测算时另加20万元，且最高贷款额度为双职工100万元、单职工70万元。考虑到此类家庭通常有置换住房的改善性合理购房需求，可能使用过公积金贷款，因此将政策由原来“首次申请”改为“购买首套房”，额度测算时由另加10万元</span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(255, 0, 0); overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">提高至20万元，最高贷款额度保持不变</strong></span><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">。</span></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;"><br style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">
</span></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(219, 16, 20); overflow-wrap: break-word !important;">案例分析：</span></strong></p>
<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; text-indent: 2.2143em; overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(219, 16, 20); overflow-wrap: break-word !important;"><br style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">
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<p style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; color: rgb(251, 115, 60); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 20px; letter-spacing: 1px; text-align: center; background-color: rgb(255, 245, 237); overflow-wrap: break-word !important;"><strong style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><strong style="font-family: 宋体; font-size: 12pt; color: rgba(0, 0, 0, 0.9); letter-spacing: 1.5px; text-align: justify; background-color: rgb(255, 255, 255); margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(219, 16, 20); overflow-wrap: break-word !important;">例3.</span></strong><span style="font-family: 宋体; font-size: 12pt; text-indent: 2.2143em; letter-spacing: 1.5px; text-align: justify; background-color: rgb(255, 255, 255); margin-right: 0px; margin-left: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(0, 0, 0); overflow-wrap: break-word !important;">李先生，1993年2月出生，其配偶王女士1993年7月出生，两人已生育了两个未成年子女。2023年5月李先生家庭购买了首套住房，并以李先生作为主贷人申请公积金贷款，双方住房公积金账户余额分别为4.40万元和1万元，假设该夫妻贷款申请之日至退休之日预计缴存公积金70万元，其家庭公积金贷款额度可按以下公式计算：公积金贷款额度= （4.40+1）×1.2+70×流动性调节系数α（当前为1.2）+20=118.48万元。因此，在符合其他公积金贷款条件下，李先生家庭公积金贷款额度为100万元。</span>一起来了解下！</strong></p>
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