最高额度30万元，资阳9月1日起开放公积金装修贷款！
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.jiuquhe.com/static/publish/css/style.css?v=20240712" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=20240712"><!-- 付费贴--> <div class="preview_article "> <!----> <p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">今年7月27日，我市优化住房公积金有关政策，明确</span></span><span style="font-size: 16px; font-weight: bold; text-decoration: underline;">自2026年9月1日起至2027年12月31日，</span><span style="font-size: 16px; font-weight: bold; text-decoration: underline;">支持使用住房公积金贷款用于市内自有住房装修</span><span style="font-size: 16px;">。</span></p><section style="text-align: center;"><img class="rich_pages wxw-img" style="height: auto !important; visibility: visible !important; width: 677px !important;" src="https://pic.app.jiuquhe.com/20260828/17878887808287995839.png" alt="图片" /></section><p style="text-align: center; line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"> </span></p><p style="text-align: center; line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">8月26日</span></span></p><p style="text-align: center; line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">《</span><span style="font-size: 16px; color: #0052ff; font-weight: bold;">资阳市个人住房公积金装修贷款实施细则</span><span style="font-size: 16px;">》</span></span></p><p style="text-align: center; line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 15px; font-weight: bold;">（以下简称细则）</span></span></p><p style="text-align: center; line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">印发出炉</span></span></p><p style="text-align: center; line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; background-color: #0052ff; color: #ffffff; font-weight: bold;">申请装修贷款需符合哪些条件？</span></span></p><p style="text-align: center; line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; background-color: #0052ff; color: #ffffff; font-weight: bold;">缴存人如何申请办理？</span></span></p><p style="text-align: center; line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">干货攻略已整理好</span></span></p><p style="text-align: center; line-height: 2em;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">赶紧收藏备用</span></span></p><p></p><section><section style="margin: 10px auto; text-align: left;"><section style="font-size: 16px; letter-spacing: 1.5px; color: #3e9dd7; margin: 0 0 -15px 16px;"><span style="font-size: 17px; color: #007aaa; font-weight: bold;">申请装修贷款需符合哪些条件？</span></section><section style="display: flex; justify-content: center; align-items: flex-end;"><section style="width: 5px; height: 22px; background-color: #42a3e1; box-sizing: border-box;"></section><section style="width: 100%; height: 3px; background-color: #e36c09; flex: 1; margin-left: 8px; box-sizing: border-box; max-width: 100% !important;"></section></section></section></section><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: normal;">（一）具有完全民事行为能力的自然人；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: normal;">（二）按下列要求缴存住房公积金：</span></span></p><ul class="list-paddingleft-1" style="list-style-type: disc;"><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: normal;">个人住房公积金账户应为正常缴存状态；</span></span></p></li><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: normal;">已连续正常缴存住房公积金6个月（含）以上，以下情况缴存时间可合并计算：</span></span></p></li></ul><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: normal;">（1）变更了住房公积金缴存中心，变更前后缴存时间连续的；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: normal;">（2）军队转业干部将服役期间的住房公积金转入我市且前后连续缴存的。</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: normal;">（三）借款申请人及配偶在全国范围内无住房公积金贷款余额；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: normal;">（四）具有稳定的经济收入，具备相应的贷款偿还能力，个人信用良好；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: normal;">（五）能够提供公积金中心认可的担保方式；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: normal;">（六）符合公积金中心规定的其他条件。</span></span></p><section><section><section style="margin: 10px auto;"><section style="background-color: #f1f9ff; padding: 30px 10px; margin: 0 6px; box-sizing: border-box;"><section style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: #333333; background-color: transparent;"><p style="line-height: 2em; margin-bottom: 0px;"><span style="background-color: transparent; caret-color: red;"><span style="font-size: 16px;">《细则》明确，</span></span><span style="background-color: transparent; caret-color: red;"><span style="font-size: 16px; font-weight: bold;">装修住房必须是借款申请人及其配偶单独所有或借款申请人和配偶共同共有。</span><span style="font-size: 16px;">装</span></span><span style="background-color: transparent; caret-color: red;"><span style="font-size: 16px;">修贷款申请资格单独核定，不占用我市家庭住房公积金购房贷款申请次数，同一家庭仅能申请一次装修贷款，且</span></span><span style="background-color: transparent; caret-color: red;"><span style="font-size: 16px; font-weight: bold;">缴存人仅可选择办理住房公积金装修提取或住房公积金装修贷款其中一项业务。</span></span></p></section></section></section></section></section><section><section style="margin: 10px auto; text-align: left;"><section style="font-size: 16px; letter-spacing: 1.5px; color: #3e9dd7; margin: 0 0 -15px 16px;"><span style="font-size: 17px; color: #007aaa; font-weight: bold;">存在以下情形之一，将</span><span style="font-size: 17px; color: #007aaa; font-weight: bold;">不予办理装修贷款</span></section><section style="display: flex; justify-content: center; align-items: flex-end;"><section style="width: 5px; height: 22px; background-color: #42a3e1; box-sizing: border-box;"></section><section style="width: 100%; height: 3px; background-color: #e36c09; flex: 1; margin-left: 8px; max-width: 100% !important; box-sizing: border-box;"></section></section></section></section><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">（一）未连续正常缴存住房公积金6个月（含）以上的；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">（二）借款申请人及配偶有未结清住房公积金贷款的；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">（三）个人征信信息（含人民银行征信系统、公积金业务信息系统等）存在以下严重不良记录之一的：</span></span></p><ul class="list-paddingleft-1" style="list-style-type: disc;"><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">当前贷款逾期的，或担保人代偿的；</span></span></p></li><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">最近2年内连续逾期6期（含）以上或累计逾期12期（含）以上的；</span></span></p></li><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">存在呆账、核销、止付、被强制执行等情形的；</span></span></p></li><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">借款申请人其他贷款和本次公积金装修贷款月还款额合计超过家庭有效月收入50%的（个人消费类贷款余额低于10万元，则不纳入计算）；</span></span></p></li><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">存在其他严重不良记录的。</span></span></p></li></ul><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">（四）被纳入失信被执行人名单的；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">（五）被纳入公积金中心不良行为登记的；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">（六）存在提供虚假资料、虚假承诺等情形的；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">（七）存在其他可能影响公积金贷款安全情形的。</span></span></p><section><section><section style="margin: 10px auto;"><section style="background-color: #f1f9ff; padding: 30px 10px; margin: 0 6px; box-sizing: border-box;"><section style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: #333333; background-color: transparent;"><ul class="list-paddingleft-1" style="list-style-type: circle;"><li><p style="margin-bottom: 16px; line-height: 2em;"><span style="font-size: 16px; font-weight: normal;">借款申请人的配偶应作为装修贷款共同借款人，并承担偿还装修贷款的责任。</span></p></li><li><p style="line-height: 2em; margin-bottom: 16px;"><span style="font-size: 16px; font-weight: normal;">申请装修贷款时，应提供房产抵押担保。借款人应将本人或其配偶在资阳市行政区域内的自有住房作为抵押担保，</span><span style="font-size: 16px;">抵押住房价值由受托银行合作的评估机构评估并出具评估报告。</span></p></li><li style="font-size: 16px;"><p style="margin-bottom: 0px; line-height: 2em;"><span style="font-size: 16px;">抵押人承诺以抵押物全部价值为本次贷款提供担保。在抵押期间，借款人应妥善保管好抵押物，不得擅自处分，并随时接受抵押权人的监督检查。</span><span style="font-size: 16px;">借款人不能按期偿还应还贷款本息的，公积金中心有权依法处置其抵押物。</span></p></li></ul></section></section></section></section></section><section><section style="margin: 10px auto; text-align: left;"><section style="font-size: 16px; letter-spacing: 1.5px; color: #3e9dd7; margin: 0 0 -15px 16px;"><span style="font-size: 17px; color: #007aaa; font-weight: bold;">申请办理需提供哪些资料？</span></section><section style="display: flex; justify-content: center; align-items: flex-end;"><section style="width: 5px; height: 22px; background-color: #42a3e1; box-sizing: border-box;"></section><section style="width: 100%; height: 3px; background-color: #e36c09; flex: 1; margin-left: 8px; max-width: 100% !important; box-sizing: border-box;"></section></section></section></section><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（一）</span><span style="font-size: 16px;">《</span><span style="font-size: 16px; font-weight: bold;">个人住房公积金装修贷款申请表</span><span style="font-size: 16px;">》；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（二）有效身份证明：</span><span style="font-size: 16px;">居民身份证、港澳台居民来往内地（大陆）通行证、外国人永久居留身份证等；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（三）婚姻状况证明：</span><span style="font-size: 16px;">结婚证、离婚证、离婚协议、法院判决离婚的生效文书等；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（四）装修证明：</span></span></p><ul class="list-paddingleft-1" style="list-style-type: disc;"><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">装修住房产权证明或商品房买卖合同备案表；</span></span></p></li><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">住宅装修合同，明确装修内容、装修金额、工期、付款方式等；</span></span></p></li><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">物业出具的装修入场证明，装修押金、装修报备、管理协议等入场手续任一项；</span></span></p></li><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">装修施工现场照片，由公积金中心或受托银行工作人员在贷款正式放款前到现场进行采集。</span></span></p></li></ul><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（五）缴存公积金相关资料：</span></span></p><ul class="list-paddingleft-1" style="list-style-type: disc;"><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">异地公积金中心缴存人通过“亮码可办”提供《住房公积金业务办理个人信息表》；</span></span></p></li><li><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">退役军人将部队住房公积金转入公积金中心的，应提供原所在部队出具的转业证或退役证、住房公积金缴存证明、明细等资料。</span></span></p></li></ul><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（六）抵押物相关资料：</span><span style="font-size: 16px;">不动产权属证明；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（七）委托扣款账户：</span><span style="font-size: 16px;">符合受托银行扣划要求的借款人有效I类银行卡；</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（八）公积金中心要求的其他材料。</span></span></p><section><section style="margin: 10px auto; text-align: left;"><section style="font-size: 16px; letter-spacing: 1.5px; color: #3e9dd7; margin: 0 0 -15px 16px;"><span style="font-size: 17px; color: #007aaa; font-weight: bold;">如何申请办理贷款？</span></section><section style="display: flex; justify-content: center; align-items: flex-end;"><section style="width: 5px; height: 22px; background-color: #42a3e1; box-sizing: border-box;"></section><section style="width: 100%; height: 3px; background-color: #e36c09; flex: 1; margin-left: 8px; max-width: 100% !important; box-sizing: border-box;"></section></section></section></section><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">款申请人应在</span><span style="font-size: 16px; color: #007aaa; font-weight: bold; text-decoration: underline;">房屋装修筹备阶段或施工建设阶段提出贷款申请</span><span style="font-size: 16px;">，且贷款放款时所装修住房应处于施工建设状态，具体办理步骤如下：</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（一）贷款申请：</span><span style="font-size: 16px;">借款申请人按要求提交真实、完整、有效的贷款申请资料。</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（二）受理审批：</span><span style="font-size: 16px;">公积金中心根据相关规定，对贷款申请进行受理、调查、审核、审批，资料齐全的装修贷款申请，公积金中心自受理之日起5个工作日内，作出准予贷款或者不予贷款的决定，并将审批结果通知借款申请人和受托银行。</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（三）签订合同：</span><span style="font-size: 16px;">审批通过的，受托银行与借款申请人、抵押人签订《个人住房公积金装修借款合同》，办理贷款手续。</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（四）办理抵押：</span><span style="font-size: 16px;">借款申请人、抵押人配合受托银行，按公积金中心要求和不动产登记相关规定，办理不动产抵押登记手续。</span></span></p><p style="text-align: justify; line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（五）发放贷款：</span><span style="font-size: 16px;">受托银行完成抵押登记办理后，办理贷款发放准备工作，在贷款放款前1个工作日，由公积金中心或受托银行工作人员到装修现场开展实地核查。经核查，所装修住房处于施工建设状态的，办理贷款正式放款；所装修住房尚未启动施工建设的，则暂停发放贷款，待进入施工建设状态后，办理贷款正式放款。贷款发放时，由受托银行将公积金装修贷款资金直接划转至主借款人本人名下账户。</span></span></p><section><section><section style="margin: 10px auto;"><section style="background-color: #f1f9ff; padding: 30px 10px; margin: 0 6px; box-sizing: border-box;"><section style="text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: #333333; background-color: transparent;"><p style="line-height: 2em; margin-bottom: 16px;"><span style="font-size: 16px; color: #000000; font-weight: bold; text-decoration: underline;">装修贷款的最高贷款额度为30万元</span><span style="font-size: 16px;">，实际贷款金额不得超过装修合同载明的装修总金额。</span></p><p style="line-height: 2em; margin-bottom: 16px;"><span style="font-size: 16px;">贷款期限以整年计算，</span><span style="font-size: 16px; color: #000000; font-weight: bold; text-decoration: underline;">最短为1年，最长为10年</span><span style="font-size: 16px;">，且贷款到期日男性不超过68周岁、女性不超过63周岁或不超过法定退休时间后5年，且不得超出抵押房产剩余的土地使用权年限。</span><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><br /></span></p><p style="line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px;">最终可贷额度按照以下两项标准进行综合评估测算，取测算最低值（向下取整为1000元的整数倍）进行核定：</span></span></p><p style="line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（一）按评估价值计算：</span><span style="font-size: 16px;">抵押住房评估价值×80%；</span></span></p><p style="line-height: 2em; margin-bottom: 16px;"><span style="color: rgba(0, 0, 0, 0.9); font-size: 17px; font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.034em; font-style: normal; font-weight: normal;"><span style="font-size: 16px; font-weight: bold;">（二）按还贷能力计算：</span><span style="font-size: 16px;">借款申请人偿还贷款月还款额不得高于家庭月收入的50%。</span></span></p></section></section></section></section></section><section><section><section><section><section style="text-align: center; line-height: 2em;"><p style="text-align: center; margin-bottom: 0px; line-height: 2em;"> </p></section></section></section></section></section><section style="text-align: right; margin-bottom: 0px;"><span style="font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; background-color: #ffffff; float: none; display: inline !important;"><span style="font-size: 15px; color: #888888;">来</span></span><span style="-webkit-tap-highlight-color: transparent; outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-align: right; background-color: #ffffff; float: none; display: inline !important;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-align: right; background-color: #ffffff; float: none; display: inline !important;"><span style="-webkit-tap-highlight-color: transparent; outline: 0px;"><span style="font-size: 15px; color: #888888;">源：</span></span><span style="font-size: 15px; color: #888888;">掌上资阳 资阳市住房公积金管理中心</span><span style="-webkit-tap-highlight-color: transparent; outline: 0px;"><span class="empty_paragraph" style="font-size: 15px; color: #888888;"> </span></span></span></span></section><p style="display: none;"> </p> <!----></div> 知道了哦 就像贷款了不用还一样，天天想着老百姓的三瓜两枣，不想想让资本家把钱吐出来
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