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闽公积金再出新政!六大问带你深入了解冲还贷
发布时间:2017-01-13 15:20:16 来源:东南置业 流量次数:2169 文字大小:【】【】【

 

省直公积金中心出台《住房公积金冲还贷管理实施办法》,并对该办法进行了政策解读。

已申办冲还贷职工是否要重新申请?


闽公积金再出新政!六大问带你深入了解冲还贷


已申请办理冲还贷业务的职工,不增加配偶或其他共同还款人参与冲还贷的,不需到中心重新申请,但要关注与贷款银行约定的冲还贷还款卡是否在正常使用状态。

特别是原在省建行办理冲还贷的职工,因实行跨行冲还贷必须启用原借款合同约定的还款卡,应确保每月划转至还款卡的公积金不转作其他用途,专项用于归还个人贷款本息。

还款卡使用中哪些事项要注意?


闽公积金再出新政!六大问带你深入了解冲还贷


(1)个人住房公积金个人借款合同中约定的还款卡,是个人偿还贷款的指定委托扣款账户。

(2)约定的个人还款卡要保留不低于每月还款本息的金额,避免每月扣款时余额不足,导致出现征信不良,并且次月无法从个人公积金账户支取月应还款额。

(3)个人还款卡在冲还贷期间,如有特殊原因如销户或其他原因无法转入资金的,应及时到银行和中心办理还款卡及冲还贷变更。

(4)建议还款卡专用、少用或不用于其他日常消费,避免在还款日扣款不正常。

申请冲还贷期间可否申请提公积金?

在冲还贷期间,所有申请人不能再申请提取公积金,在申请停止冲还贷后连续还款满12个月,符合提取条件的可申请提取住房公积金。

冲还贷变更有哪些注意事项?


闽公积金再出新政!六大问带你深入了解冲还贷


(1)因还款卡遗失等原因,引起还款卡号变动的,主贷人先到银行补卡,后到中心办理冲还贷变更卡号手续。未及时办理冲还贷还款卡变更手续的无法实现冲还贷,公积金账户金额审批后暂不能转入还款卡,待还款卡号变更后恢复转入。

(2)新增、减少共同还款人的,需提供共同还款人与主贷人身份证及双方关系证明原件和复印件,到中心办理增加和减少共同还款人手续。

(3)职工因工作调动等,到中心办理转移手续时,已办理冲还贷业务的应一并办理公积金账户变更手续。

(4)主借款人的配偶或共同还款人自愿取消冲还贷的,经中心核准后取消,不影响其他申请人的冲还贷。

商业银行贷款可否申请冲还贷业务?


闽公积金再出新政!六大问带你深入了解冲还贷


冲还贷业务仅适用于公积金贷款(含贴息贷款),目前纯商业贷款无法办理冲还贷业务。

哪些银行可以跨行冲还贷?

闽公积金再出新政!六大问带你深入了解冲还贷


自本月1日起,在建设银行、工商银行办理公积金贷款且已办理冲还贷业务的职工,其配偶或共同还款人公积金账户在建行、工行的可以申请办理跨行冲还贷。兴业银行、中国银行、农业银行办理跨行冲还贷时间另行通知。

 

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