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每一个虔诚的读者
都关注了『赤峰楼市』
正文共1914字，预计阅读时间4分钟
直击地产圈最新动态，点评行业内重要资讯
楼 叔 问 答
以下是楼叔最近挑选赤峰楼市粉丝关于公积金的一些问答，如果你有类似的问题，希望楼叔的回答能给到你帮助。认真阅读会有收获。
公积金相关问答
Q:赤峰可以商贷转公积金吗？
商贷不能转公积金。但是首付款发票或者网签合同日期，以靠前的日期算，步梯住宅2年以内，高层住宅3年以内、二手房1年之内，可将商贷还清后在借公积金贷款。
期房贷款手续如下：
1、身份证（军官证）、户口本、借款人婚姻关系证明（结婚证、离婚判决书、离婚证及离婚协议）原件，借款人夫妻双方一寸照片；
2、借款人及配偶登陆“人民银行征信中心”网站注册账号并申请《人民银行征信报告》（受理贷款时在公积金打印征信报告。验证码七日内有效，请妥善保管，遗失或过期需重新申请。如注册账号时提示“目前系统尚未收录您的个人信息，无法进行注册”无需验证码，可直接到公积金窗口受理贷款业务）
3、配偶在异地缴存住房公积金的，提供《异地贷款住房公积金缴存证明》；借款人配偶未缴交住房公积金但有工资收入的，提供近3个月工资卡的银行流水明细并加盖单位公章或查询其由单位缴纳养老保险的保险工资基数工资超过个税起征点的，需提供个人所得税3个月的税票明细。
4、办理异地贷款提供借款人《异地贷款住房公积金缴存证明》及住房公积金连续缴存明细（行政单位、事业单位、国营企业提供近6 个月住房公积金连续缴存明细；私营企业提供近25 个月住房公积金连续缴存明细。若缴存时间不满25 个月，提供自开户日期起至最近日期的住房公积金连续缴存明细，由缴存地住房公积金中心出具）；
5、提供不动产登记中心出具的《不动产登记证明》以及《商品房买卖合同》
6、 期房已付清全部房款需提供开发商出具的全款证明、全款发票，提供主借人名下中、农、工、建、交五行其一的I类银行卡一张。
7、需提供夫妻双方户籍所在地及购房所在地的房源证明。异地缴存公积金在本市办理住房公积金贷款需提供公积金缴存地夫妻双方房源证明。
Q:私企和国企公积金贷款标准是什么？
2022年4月15日，赤峰市住房公积金管理委员会审议通过了最高限额由60万调整到80万的建议，私企员工仍执行住房公积金单笔贷款最高额度40万，国企及行政事业单位员工单笔贷款最高上限额度80万。
Q:公积金贷款年龄上限是多少？
女的最长贷到55岁，男的最长贷到60岁，征信良好最多可延长5年，贷款年限最多不超过30年。
Q:私企住房公积金连续交了6个月能带多少钱？
私企连续存缴6-12个月贷款上限20万。连续存缴1-2年贷款上限30万，连续存缴两年以上贷款上限为40万。具体实际贷款额度需携带相关贷款手续到公积金窗口核算。
Q:已退休，如何提取公积金？
携带本人身份证，及中农工建交储蓄卡到公积金窗口办理；或者线上用手机公积金App选择退休提取公积金。
Q:公积金对冲业务如何办理？
前提必须是在赤峰市内公积金贷款，可在线上用手机公积金App，选择业务办理-冲还贷签约；或者携本人身份证到窗口办理业务；如果是想用夫妻双方的公积金余额按月对冲，需夫妻双方携身份证、结婚证到窗口办理按月对冲业务。
Q:住房公积金还款是等额本金还是等额本息？
赤峰目前只办理等额本金，每月还款额不同，越换越少。
Q:商贷如何用公积金来还？
目前政策不支持公积金对冲商贷，但如果没有公积金贷款的家庭，允许借款人提取本人及配偶公积金账户余额偿还本年度12个月内应偿还的同期商业银行住房贷款；一次性还清银行住房贷款时，允许提取本人以及配偶的公积金余额。
所需资料1.《个人购房借款合同》（银行提档后必须盖骑缝章）；2.最近连续12个月的还款明细（银行提档后必须盖章）；3.当天的贷款余额明细表（银行提档后必须盖章）；4.夫妻双方身份证、结婚证、户口本均提供原件；5.提取人本人一类银行储蓄卡（仅限中国银行、农业银行、工商银行、建设银行、交通银行）；6.还清商业银行贷款提取公积金，划款后会冻结提取人公积金账户，当月内将银行的贷款还清凭证返还业务中心后再将其公积金解冻；7.偿还异地贷款提取公积金，购买期房提供购房合同原件；购买现房或二手房提供《不动产登记证》原件。
Q:夫妻双方都有公积金怎么对冲？
如果想对冲两个人的公积金需要两个人都进行对冲签约。先对冲主借款人的余额，余额不足在对冲配偶的。
Q:婚前男方用公积金买了一套房，女方婚前再用公积金买一套，婚后再买还能用公积金吗？
以家庭为单位第三套住房不能在使用公积金购房，婚前双方使用公积金的好处是可以走首套房贷款比例，如果婚后买属于二套。
想了解关于赤峰楼市您不懂的问题，欢迎留言。
本文仅代表，赤峰楼市团队观点，如有不同观点，欢迎留言探讨。
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《周易》的《剥》卦六五爻辞曰：“贯鱼以宫人宠，无不利。” 这话到底什么意思？ 其实不好理解。不妨慢慢说来。 一、《小象》的蹩脚解读 易传《小象》是这样解释这句话的： “‘以宫人宠’…
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??十年非凡成就，蕴藏深刻启示。如何用中国理论阐释中国实践？新华网联合中央党校（国家行政学院）国家高端智库，推出“思客讲堂·党校公开课（第三季）”《以“理”服人：十年的十个“为什么…
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北京商报讯（记者 郭缤璐 张天元）6月24日，北京商报记者了解到，位于朝阳大悦城的费大厨北京首店6月18日悄然试营业，试营业三天登顶北京湘菜热门榜第一名，试营业五天登顶北京全美食热…
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这队人马再走十余里穿过一片竹林，就会到嵩城驿。在那里有前导安排的热水，茶饭，老酒可以洗去一身的疲惫和风尘，想想就令人惬意。十几个人嘴角不由得翘了翘，走在最前边的那个汉子单手向前挥了…
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考博英语英译汉如何做到“信”和“达”？ 相比较汉译英而言，很多考生都觉得英译汉简单些。毕竟如果单词大部分认识，就能够说出主要意思。但是要将原文意思准确通顺地传达出来，符合严复提出的…
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常州方言中的【一蓬火】，音yiē bǒng huò，即一场火的意思。因为火焰向上，中间高温，引导气流升空，底部新鲜空气汇入，程蓬蓬然状。因此，【一场火】讲起来很平淡，但【一蓬火】就…
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xia 虾米xiā mi：小虾。 瞎xiā：①糟蹋、损失。少买点饭，吃不了都~了；②没有嗅觉。鼻子~了。 瞎叭叭（儿）xiā bā ba（r）：胡说乱讲。就听你在那~了。也说瞎咧咧…
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亮字属性_五行，亮这个字五行属什么
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行过了八百黄风岭，进西却是一脉平阳之地。 远离黄风假土，至平阳之地，真土即现。 三众齐来看时，乃流沙河：八百流沙界，三千弱水深。鹅毛飘不起，芦花定底沉。 虽为真土，真假实不相离。不…