微頭條丨公積金賬戶沒有錢可以貸款嗎?公積金賬戶余額和貸款金額有什么關(guān)系?
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公積金賬戶沒有錢可以貸款嗎?公積金賬戶余額和貸款金額有什么關(guān)系?公積金賬戶怎么開戶?社保網(wǎng)小編為您整理了以下最新資訊供您參考。
公積金賬戶沒有錢可以貸款嗎
不能。
據(jù)社保網(wǎng)小編了解,公積金貸款并不是想貸就貸的,需要遵守對應(yīng)的規(guī)則。住房公積金里面沒有余額申請貸款的話,一般銀行不會通過審核的。不僅僅是金額有限制,很多地方對于繳納的時間也有關(guān)系,比如需要正常連續(xù)按月繳存住房公積金一定期限以上才能貸款,每月正常繳存公積金并且符合公積金貸款的條件。所以如果想要用公積金貸款買房的話,一定要盡量繳納公積金,滿足可以貸款的要求之后再申請貸款。
公積金賬戶余額和貸款金額有什么關(guān)系
有相關(guān)的法規(guī)說明:單筆住房公積金貸款額度不得高于按照借款人或夫妻雙方住房公積金賬戶儲存余額的20倍確定的貸款限額,比如你的公積金賬戶余額是1萬元,那么最高可以貸款20萬元。
不過影響貸款金額的不僅僅是公積金賬戶的余額,還有當(dāng)?shù)氐姆ㄒ?guī),比如長沙的最高公積金貸款金額是70萬,就算公積金賬戶金額再多,也只能貸款70萬元。所以具體可以貸款的金額不是完全由公積金賬戶的余額確定的,還是要看實際的法規(guī)和情況才行。
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