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2015年湘西住房公积金贷款政策

时间:2014-01-27 11:02:46 来源:未知 作者:admin 点击:

  目    录

YI、ZUIGAODAIKUANEDU

ER、YANZHANGJIEKUANRENHAIDAISHIJIAN

SAN、SHENQINGZILIAOSHIJIAN

斗牛斗牛SI、DUIJIEKUANRENANGONGJIJINYUEJIAOCUNEQUEDINGZUIGAOSHENQINGE

斗牛斗牛WU、ZHUFANGGONGJIJINDAIKUANCHABIEHUAZHENGCE

LIU、DUICHONGHAIDAIZHENGCE

QI、TIQUHEKETIKEDAIZHENGCE


   一、最高贷款额度

斗牛斗牛WEIGENGHAODIZHICHIJIAOCUNRENDEGOUFANGXUQIU、GAISHANJUZHUTIAOJIAN,ZENGQIANGZHUFANGXIAOFEINENGLI,TUIDONGWOZHOUFANGDICHANSHICHANGFAZHAN,WOZHONGXINGERENZHUFANGZUIGAODAIKUANEDUYICONG2013NIAN3YUEQI,YOUYIQIANDE30WANYUANTIGAOZHI35WANYUAN。WOZHONGXINXIAXIADEZHOUZHIGUANLIBU、JISHOUSHIGUANLIBU(HECHENGJISHOUFENZHONGXIN)DUIGERENDAIKUANZUIGAOSHENPIEDUWEI35WANYUAN,LONGSHAN、YONGSHUN、BAOJING、HUAYUAN、FENGHUANG、LUXI、GUZHANG7XIANGUANLIBUDEZUIGAOSHENPIEDUWEI25WANYUAN,CHAOGUO25WANYUANDE,XUBAOZHOUZHONGXINSHENPI。

   二、延长借款人还贷时间

斗牛斗牛CONG2013NIAN3YUEQI,WOZHONGXINYANZHANGLEJIEKUANRENHAIDAISHIJIAN,JIJIANGGERENZHUFANGGONGJIJINJIEKUANQIXIANYOUXIANXINGNAN60SUI、NV55SUIDIAOZHENGWEINAN65SUI、NV60SUI,DANGERENZUIZHANGJIEKUANQIXIAN30NIANBUBIAN。XIANGSHOUYANZHANGJIEKUANQIXIANDEDUIXIANGXIANZAIQUANZHOUJIGUAN、SHIYE、GUOYOUQIYEDANWEI(HANZHONGYANG、SHENGZHUZHOUDANWEI)NEIDEGONGZUORENYUANZHONGSHIXING。QUANZHOUFANYICANJIAZHUFANGGONGJIJINJIAOCUNZHIDUDEFEIGONGYOUZHIQIYEYUANGONG、CHENGZHENGETIGONGSHANGHU、ZIYOUZHIYEZHESHENQINGGONGJIJINDAIKUAN,QIZUIZHANGJIEKUANQIXIANRENGRANZHIXINGNAN60SUI、NV55SUI,QIZHONG,WOZHONGXINDUICHENGZHENGETIGONGSHANGHUHEZIYOUZHIYEZHEJIEKUANNIANXIANDEQITAGUIDINGRENGRANBUBIAN。

   三、申请资料时间

2015NIAN,WOZHONGXINZHIJIESHOUJIEKUANRENDANGNIANGOUMAI、JIANZAO、DAXIUZHUFANGDEDAIKUANSHENQING,BUJIESHOUWANGNIANDEGOU、JIAN、DAXIUZHUFANGXINGWEIDEDAIKUANSHENQING,YICHONGFENMANZU2015NIANGOUFANGRENDUIDAIKUANZIJINDEXUQIU,JIEKUANRENYINGTIJIAODESHENQINGZILIAO,XIANGJIAN《ZHUFANGGONGJIJIN2015NIANTIQUHEDAIKUANYINGTIJIAODEZHUYAOZILIAO》XUANCHUANDAN。

  四、对借款人按公积金月缴存额确定最高申请额

WEIZHIXINGDUOJIAODUODAI、SHAOJIAOSHAODAIDEGONGPINGYUANZE,CUJINJIAOCUNDANWEIZUEJIAOCUNGONGJIJIN,ZHONGDIANZHICHIFEIGONGQIYEYUANGONG、XINJIUYEDAXUESHENGHEYOUXIURENCAIZHUFANGDAIKUANXUQIU,WOZHONGXINANGERENYUEJIAOCUNE(HANDANWEIBUTIEBUFEN)QUEDINGZUIGAODAIKUANSHENQINGEDU,JUTIFENYIXIASANZHONGLEIXING:

斗牛斗牛(YI)JIEKUANRENWEIJIGUAN、SHIYE、GUOYOUQIYEDANWEIDE

1.JIEKUANREN、PEIOUJUNWEIJIAOCUNREN

斗牛斗牛(1)JIEKUANRENYUEJIAOCUNEDIYU200YUANDE,ZUIGAOSHENQINGEWEI8WANYUAN;JIEKUANRENYUANJIANGYUEJIAOCUNEBUZU200YUAN、BINGANDAIKUANSHENPINIANXIANBUJIAO,ZUIGAOSHENQINGEWEI15WANYUAN。

(2)JIEKUANRENYUEJIAOCUNEBUDIYU200YUAN、YUPEIOUSHUANGFANGYUEJIAOCUNEZHIHEDIYU696YUANDE,JIEKUANRENJIATINGZUIGAOSHENQINGEDUWEI25WANYUAN。

(3)JIEKUANRENYUEJIAOCUNEBUDIYU200YUAN、YUPEIOUSHUANGFANGYUEJIAOCUNEZHIHEGAOYU696YUAN(HAN)DE,ZUIGAOSHENQINGEDUWEI35WANYUAN。

(4)JIEKUANRENFUQIRENHEYIFANGHUOSHUANGFANGYUEJIAOCUNEZHIHEFUHEBENKUANDI2XIANG“JIEKUANRENDANFANGWEIJIAOCUNREN”SHENQINGEDUTIAOJIANDE,YEKEANDI2XIANGZHIXING。

2.JIEKUANRENDANFANGWEIJIAOCUNREN

斗牛斗牛(1)JIEKUANRENYUEJIAOCUNEDIYU200YUANDE,ZUIGAOSHENQINGEWEI8WANYUAN;JIEKUANRENYUANJIANGYUEJIAOCUNEBUZU200YUAN、BINGANDAIKUANSHENPINIANXIANBUJIAO,ZUIGAOSHENQINGEWEI15WANYUAN。

(2)JIEKUANRENYUEJIAOCUNEZAI200-347YUANZHIJIANDE,ZUIGAOSHENQINGEDUWEI20WANYUAN。

斗牛斗牛(3)JIEKUANRENYUEJIAOCUNEZAI348-695YUANZHIJIANDE,ZUIGAOSHENQINGEDUWEI30WANYUAN。

(4)JIEKUANRENYUEJIAOCUNEZAI696YUAN(HAN)YISHANGDE,ZUIGAOSHENQINGEDUWEI35WANYUAN。

斗牛斗牛(ER)JIEKUANRENWEIFEIGONGQIYEYUANGONG

斗牛斗牛1.JIEKUANRENYUEJIAOCUNEDIYU150YUANDE,ZUIGAOSHENQINGEWEI8WANYUAN;JIEKUANRENYUANJIANGYUEJIAOCUNEBUZU150YUAN、BINGANDAIKUANSHENPINIANXIANBUJIAO,ZUIGAOSHENQINGEWEI15WANYUAN。

斗牛斗牛2.JIEKUANRENYUEJIAOCUNEZAI150-347YUANZHIJIANDE,ZUIGAOSHENQINGEDUWEI30WANYUAN。

斗牛斗牛3.JIEKUANRENYUEJIAOCUNEGAOYU348YUAN(HAN)DE,ZUIGAOSHENQINGEDUWEI35WANYUAN。

(SAN)JIEKUANRENWEIGETIGONGSHANGHUHUOZIYOUZHIYEZHE

斗牛斗牛1.JIEKUANRENYUEJIAOCUNEZAI348-695YUANZHIJIANDE,ZUIGAOSHENQINGEDUWEI30WANYUAN。

2.JIEKUANRENYUEJIAOCUNEGAOYU696YUAN(HAN)DE,ZUIGAOSHENQINGEDUWEI35WANYUAN。

斗牛斗牛YISHANGGUIDING,CONG2014NIAN1YUE1RIQIZHIXING。

ZHU:XINJIUYEDAXUESHENGHUOYOUXIURENCAISHENQINGDAIKUANEDU,BUSHOUGONGJIJINYUEJIAOCUNEDEYINGXIANG。JIZHOUZHUFANGGONGJIJINGUANLIWEIYUANHUI[2011]5HAOWENJIANYIMINGQUEDEFUHE“XINJIUYEDAXUESHENG”(CONG2015NIAN1YUE1RIQI,“XINJIUYEDAXUESHENG”ZHISHENQINGDAIKUANQIAN5NIANBIYEDEQUANRIZHIDAXUESHENG)HUO“YOUXIURENCAI”DAIKUANSHENQINGTIAOJIANDE,ZHEILIANGZHONGDUIXIANGZUIGAOSHENQINGDAIKUANEDURENGANZHAOGAIWENJIANZHIXING,BUSHOUGERENHUOFUQISHUANGFANGYUEJIAOCUNEXIANZHI。

  五、住房公积金贷款差别化政策

WEIJINYIBUZHIXINGGUOJIAGUANYUBAOZHENGDIYITAOZHUFANG、XIANZHIDIERTAOZHUFANG、JINZHIDISANTAOZHUFANGDAIKUANSHENQINGDEZHENGCEGUIDING,BINGJIEHEWOZHOUZHUFANGGONGJIJINDAIKUANSHIJIQINGKUANG,WOZHONGXINCONG2013NIAN7YUEQIZHIXINGZHUFANGGONGJIJINDAIKUANCHABIEHUAZHENGCE。2014NIAN12YUE5RI,ZHOURENMINZHENGFUZHAOKAIZHUANTIHUIYI,HUIYIYANJIUJUEDING,SHIDANGFANGKUANCHABIEHUAZHENGCE。XIANZHIXINGDEZHENGCERUXIA:

YI、SHOULISHOUCIHUOLIANGCIYINEIDAIKUANSHENQING,SHIDANGFANGKUANDISANCIDAIKUANSHENQING。

斗牛斗牛(YI)DUISHOUCISHENQINGGONGJIJINDAIKUAN,ZHIXINGJIZHUNLILV(HANYIJIANFANGHUODAXIUMINGYISHENQING)

斗牛斗牛1.SHENQINGRENCHIGOUFANGHETONG(XIEYI)SHENQINGDAIKUAN、BINGCANJIAWOZHONGXINLOUPANANJIEDAIKUANDE,SUOGOUPUTONGZIZHUFANGTAOXINGJIANZHUMIANJIZAI90PINGFANGMI(HAN)YIXIADE,DAIKUANSHOUFUBILIBUDEDIYU20%,ZUIGAODAIKUANEDUWEIGOUFANGZONGJIADE80%;TAOXINGJIANZHUMIANJIZAI90PINGFANGMIYISHANGDE,DAIKUANSHOUFUBILIBUDEDIYU30%,ZUIGAODAIKUANEDUWEIGOUFANGZONGJIADE70%。YISHANGLIANGZHONGQINGKUANGBUNENGCANJIAWOZHONGXINANJIEDAIKUAN、ZHINENGYONGXIANFANGZUODIYADE,XIANFANGDEZUIGAODIYAJIAZHIWEIPINGGUJIAZHI70%。

斗牛斗牛2.SHENQINGRENCHIFANGCHANZHENG(YINGOUMAIERQUDEFANGCHANZHENG)SHENQINGGOUFANGDAIKUAN,YINGYIGAITAOFANGWUZUODIYA,PINGGUJIAZHIJIWEIGOUFANGZONGJIA,ZUIGAODIYAJIAZHIWEI70%,ZUIGAODAIKUANEDUYEWEI70%。

斗牛斗牛3.SHENQINGRENYINJIANZAOZHUFANGSHENQINGDAIKUAN,ZUIGAODAIKUANEWEIJIANFANGZONGJIADE70%。GUANYU“JIANFANGZONGJIA”,YOUWOZHONGXINHEZHANGSHAZHANGYINDANBAOGONGSIANXIANGGUANGUIDINGGONGTONGHEDING。DANGYONG《FANGWUSUOYOUQUANZHENG》SHENQINGSHI,YINGYIGAIDONGFANGWUZUODIYA,ZUIGAODIYAJIAZHIWEIPINGGUJIAZHIDE70%;DANGYONG《GUOTUZHENG》、《JIANSHEGONGCHENGGUIHUAXUKEZHENG》LIANGZHONGZILIAOSHENQINGDAIKUANBINGYONGYITAOXIANFANGZUODIYAWUSHI,XIANFANGDEZUIGAODIYAJIAZHIWEIPINGGUJIAZHIDE70%。

斗牛斗牛(ER)DUIDIERCISHENQINGGONGJIJINDAIKUAN,DAIKUANLILVANZHAOTONGQIJIZHUNLILVSHANGFU10%(HANYIJIANFANGHUODAXIUMINGYISHENQING)

1.SHENQINGRENCHIGOUFANGHETONG(XIEYI)SHENQINGDAIKUAN、BINGCANJIAWOZHONGXINLOUPANANJIEDAIKUANDE,WULUNSUOGOUPUTONGZIZHUFANGTAOXINGJIANZHUMIANJIDAXIAO,DAIKUANSHOUFUBILIBUDEDIYU30%,ZUIGAODAIKUANEDUWEIGOUFANGZONGJIADE60%。YISHANGQINGKUANGBUNENGCANJIAANJIEDAIKUAN、ZHINENGYONGXIANFANGZUODIYADE,XIANFANGDEZUIGAODIYAJIAZHIWEIPINGGUJIAZHI60%。

2.SHENQINGRENCHIFANGCHANZHENG(YINGOUMAIERQUDE)SHENQINGDAIKUAN,YINGYIGAITAOFANGWUZUODIYA,PINGGUJIAZHIJIWEIGOUFANGZONGJIA,ZUIGAODIYAJIAZHIWEI60%,ZUIGAODAIKUANEDUYEWEI60%。

斗牛斗牛3.SHENQINGRENYINJIANZAOZHUFANGSHENQINGDAIKUAN,ZUIGAODAIKUANEWEIJIANFANGZONGJIADE60%。GUANYU“JIANFANGZONGJIA”, YOUWOZHONGXINHEZHANGSHAZHANGYINDANBAOGONGSIANXIANGGUANGUIDINGGONGTONGHEDING。DANGYONG《FANGWUSUOYOUQUANZHENG》SHENQINGSHI,YINGYIGAIDONGFANGWUZUODIYA,ZUIGAODIYAJIAZHIWEIPINGGUJIAZHIDE60%;DANGYONG《GUOTUZHENG》、《JIANSHEGONGCHENGGUIHUAXUKEZHENG》LIANGZHONGZILIAOSHENQINGDAIKUANBINGYONGYITAOXIANFANGZUODIYAWUSHI,XIANFANGDEZUIGAODIYAJIAZHIWEIPINGGUJIAZHIDE60%。

斗牛斗牛4.YISHANGZUIGAODAIKUANEDUAN60%(GOUMAI、JIANZAO、DAXIUZHUFANGZONGJIA)DEGUIDING,CONG2015NIAN3YUE1RIQIZHIXING。

斗牛斗牛(SAN)SHIDANGFANGKUANDISANCIDAIKUANSHENQING,DAIKUANLILVANZHAOTONGQIJIZHUNLILVSHANGFU10%(HANZHUANGXIU、GOUMAI、JIANZAOZHUFANGMINGYISHENQING)

1.DISANCIDAIKUANSHENQINGTIAOJIAN

斗牛斗牛JIEKUANRENZHUFANGYINZAIHAI(SHUIZAI、HUOZAIHUOQITABUKEKANGJUYINSU)DAOZHIFANGWUSUNHUIDENGQINGKUANG。

2.SHENQINGDESHIJIANHEZHUYAOZILIAO

斗牛斗牛SHIJIAN:ZAIHAIFASHENGHOU6GEYUENEI。

ZHUYAOZILIAO:

斗牛斗牛①ZAOSHOUSHUIZAIDE,YOUZHUFANGSUOZAIDISHEQUTIGONGZHENGMING。

②ZAOSHOUHUOZAIDE,YOUZHUFANGSUOZAIDIXIAOFANGBUMENTIGONGSHIGUJIANDINGBAOGAOHUOSHEQUZHENGMING。

斗牛斗牛③QITABUKEKANGJUYINSUDE,GENJUSHIJIQINGKUANGTIGONGZHENGMING。

3.DAIKUANZHONGLEI

斗牛斗牛SHENQINGRENJIKEYIANSUNHUIZHUFANGSHENQINGZHUANGXIUDAIKUAN,RUGUOZHONGXINGOUMAI、JIANZAOZHUFANG,YEKEYISHENQINGGOUMAI、JIANZAOZHUFANGDAIKUAN。

4.DIAOCHAHESHI

斗牛斗牛GUANLIBU(FENZHONGXIN)ZAIZHUFANGXIANCHANGHESHEQUDIAOCHAHESHI,XINGCHENGDIAOCHABAOGAO。

5.CHENGBAO

斗牛斗牛GUANLIBU(FENZHONGXIN)JIANGSHENQINGZILIAOHEDIAOCHABAOGAOCHENGBAOZIJINYINGYUNKE,ZHONGXINJINXINGSHENHE。

6.SHENHEDAIKUAN

斗牛斗牛①DUIZHUANGXIUDAIKUAN,ZHUANGXIUZONGJIAWEI1000YUAN/PINGFANGMI×FANGWUMIANJI,ZUIGAODAIKUANEDUWEIGAITAOFANGWUDIYAJIAZHI60%YUFUQISHUANGFANGGONGJIJINYUEZHIHE。

②DUIGOUMAI、JIANZAOZHUFANGDAIKUAN,ANQIANKUAN“DIERCISHENQINGGONGJIJINDAIKUAN”GUIDINGZHIXING。

ER、DAIKUANCISHUDEQUEDING

JIEKUANRENSHENQINGGONGJIJINDAIKUANCISHUANZHAOJIEKUANRENJIATINGCHENGYUANDAIKUANCISHULEIJIJISUAN,JIATINGCHENGYUANBAOKUOJIEKUANRENBENREN、PEIOUHUOGONGTONGJIEKUANREN,JIATINGCHENGYUANDAIKUANCISHUYIWOZHONGXINYEWUXITONGJILUWEIZHUN。

  六、对冲还贷政策

JIEKUANRENCHANGHAIGONGJIJINDAIKUANYINIANHOU,KESHENQINGTIQUGONGJIJINYONGYUDIKOUDAIKUAN(XIANGJIAN《ANYUEDUICHONGZHUFANGGONGJIJINDAIKUANXUZHI》XUANCHUANDAN)。RUGUOJIEKUANRENFUQIGONGJIJINYUEJIAOCUNEZHIHEDAYUYUEHAIKUANE,ZEANYUEHAIKUANEDIKOU;RUGUOJIEKUANRENFUQIGONGJIJINYUEJIAOCUNEZHIHEXIAOYUYUEHAIKUANE,ZEANYUEJIAOCUNEZHIHEDIKOU。

  七、提取和可提可贷政策

斗牛斗牛WOZHONGXINDUITIQUHEKETIKEDAIZHENGCEYIZHIYOUXIANGYINGGUIDING,2014NIAN12YUE5RI,ZHOUZHENGFUZHUANTIHUIYIDUICONGWEISHIYONGGUOZHUFANGGONGJIJINDEJIAOCUNRENZAITIQUHEKETIKEDAILIANGXIANGZHENGCEFANGMIANYANJIUJUEDING,TIGAOTIQUEDUHEFANGKUANSHENQINGDUIXIANG,YOUGUANZHENGCEJUTIRUXIA:

YI、TIQU

斗牛斗牛(YI)FUHEZHONGXIN《TIQUGUANLIXIZE》DISANTIAODILIUKUAN“GOUMAI、JIANZAO、FANJIAN、DAXIUZIZHUZHUFANGDE”SHENQINGTIAOJIANDE,RENGRANAN《TIQUGUANLIXIZE》ZHIXING。

斗牛斗牛(ER)DUICONG2007NIAN4YUE1RIQI,WEITIQU(WEIFASHENGGOUMAI、JIANZAO、FANJIAN、DAXIU、ZULINZHUFANG、CHANGHAIGONGJIJINDAIKUANBENXI)、WEIDAIKUANDETIQUREN,TONGSHIYOUFUHEZHONGXINXIANXINGGOUMAI、JIANZAO、FANJIAN、DAXIUZHUFANGSHENQINGTIAOJIANDE,KEANZHANGHUYUEQUANE(ZHIBAIYUANSHU)TIQU。CITIAOCONG2015NIAN3YUE1RIQIZHIXING。

ER、KETIKEDAIZHENGCE

(YI)2015NIAN,DUISHOUCISHENQINGGONGJIJINDAIKUAN、GOUFANGMIANJIZAI90PINGFANGMI(HAN)YIXIA、BINGFUHESANNIANNEIWUTIQUJILUDENGTIQUTIAOJIANDEGOUFANGZHIGONG,RENGRANSHIXINGKETIKEDAIZHENGCE,JIZUIGAOKEANGOUFANGZONGJIA30%TIQU(DANBUNENGCHAOGUOJIEKUANRENFUQIGONGJIJINYUEZHIHE70%),BUZUBUFEN,ZAIYUYIDAIKUAN,TIQUYUDAIKUANJINEZHIHE,BUCHAOGUOGOUFANGZONGJIA。

斗牛斗牛(ER)DUICONG2007NIAN4YUE1RIQI,WEITIQU(WEIFASHENGGOUMAI、JIANZAO、FANJIAN、DAXIU、ZULINZHUFANG、CHANGHAIGONGJIJINDAIKUANBENXI)、WEIDAIKUANDEJIEKUANREN,TONGSHIYOUFUHEZHONGXINXIANXINGGOUMAI、JIANZAO、FANJIAN、DAXIUZHUFANGSHENQINGTIAOJIANDE,YESHIXINGKETIKEDAIZHENGCE,JIZUIGAOKEANGOUFANG(HUOJIANZAO、FANJIAN、DAXIUZHUFANG)ZONGJIA30%TIQU(DANBUNENGCHAOGUOJIEKUANRENFUQIGONGJIJINYUEZHIHE70%),BUZUBUFEN,ZAIYUYIDAIKUAN,TIQUYUDAIKUANJINEZHIHE,BUCHAOGUOGOUMAI、JIANZAO、FANJIAN、DAXIUZHUFANGZONGJIA。CITIAOCONG2015NIAN3YUE1RIQIZHIXING。


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