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为什么“直还”模式有些银行办不了？
<p class="MsoNormal" align="justify" style="text-indent:32.0000pt;mso-char-indent-count:2.0000;text-align:justify; text-justify:inter-ideograph;line-height:29.0000pt;mso-line-height-rule:exactly;"><span style="font-family: 仿宋_GB2312; font-size: 16pt;"><font face="仿宋_GB2312">一方面，公积金中心无权强制要求商业银行开展</font><font face="仿宋_GB2312">“</font></span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">直还</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">”</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">模式</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">，只能通过</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">业务合作，持续动员协调更多的商业银行签约。</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">另一方面，公积金中心</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">不是金融机构，不能直接</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">经营银行</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">业务</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">，按照《</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">住房公积金管理条例</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">》规定，</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">公积金</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">贷款资金必须通过业务受托银行发放，如果</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">公积金</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">受托银行和原商贷银行不</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">是相</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">同</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">银</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">行，比如工商银行对建设银行，</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">在仅提供内部结算账户时，</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">跨行</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">划转</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">资金目前</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">难以</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">实现。</span></p>
“商转公”贷款的“直还”模式办理为什么相对复杂？
<p class="MsoNormal" align="justify" style="text-indent:32.0000pt;mso-char-indent-count:2.0000;text-align:justify; text-justify:inter-ideograph;line-height:29.0000pt;mso-line-height-rule:exactly;"><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">“商转公”</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">贷款</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">业务</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">不属于住房公积金的基本业务范畴，一般采用</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">“</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">先还再贷</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">”</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">模式。</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">郑州公积金中心</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">为</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">帮助解决</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:'Lucida Sans';mso-ansi-font-weight:normal;mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">商</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:'Lucida Sans';mso-ansi-font-weight:normal;mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">贷购房</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:'Lucida Sans';mso-ansi-font-weight:normal;mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">家庭自筹资金问题</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:'Lucida Sans';mso-ansi-font-weight:normal;mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">，</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">推出了</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">“</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">直还</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">”</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">模式，</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">即用公积金结清</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">商</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">贷</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">余额</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">，把商贷</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">转</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">换</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">为</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">公积金贷款，降低缴存</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">职工</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">购房利息支出</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:'Times New Roman'; mso-bidi-font-family:Arial;mso-bidi-font-weight:bold;font-size:16.0000pt; mso-font-kerning:1.0000pt;">。</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">“直</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">还</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">”模式相对复杂主要原因在于需要用公积金替</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">商贷</font></span><span style="font-family: "Times New Roman"; font-size: 16pt;"><font face="仿宋_GB2312">借款</font></span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">人</span><span style="font-family: "Times New Roman"; font-size: 16pt;"><font face="仿宋_GB2312">结</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">清</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">贷款，所以有</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">两个环节必不可少</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">：</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">一是需要提供</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">《同意提前结清商业贷款函》</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">，内容包括</span><span style="font-family: 仿宋_GB2312; font-size: 16pt;">还款银行</span><span style="font-family: "Times New Roman"; font-size: 16pt;"><font face="仿宋_GB2312">资金接收</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">账号</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">、贷款余额</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">等</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">信息</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">。二是涉及抵押权转移。原商贷已将房产抵押给了银行，</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; mso-bidi-font-weight:bold;font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">公积金中心重新办理房屋抵押后才能放款，</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">需要商业银行同意办理原房屋顺位抵押，必须取得</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">《</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:仿宋;mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">同意办理顺位抵押函</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">》</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;">。</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';mso-bidi-font-weight:bold; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
“商转公”贷款办理材料精简了哪些？
<p class="MsoNormal" align="justify" style="text-indent:32.0000pt;mso-char-indent-count:2.0000;text-align:justify; text-justify:inter-ideograph;line-height:29.0000pt;mso-line-height-rule:exactly;"><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;"><font face="Times New Roman">2025</font><font face="仿宋_GB2312">年</font><font face="Times New Roman">7</font><font face="仿宋_GB2312">月</font></span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;">9</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">日</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">起</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">，</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">申请</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">郑州住房公积金</font><font face="仿宋_GB2312">“商转公”</font></span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">业务</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">更便捷。</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">采用</font><font face="Times New Roman">“</font><font face="仿宋_GB2312">先还再贷</font><font face="Times New Roman">”</font><font face="仿宋_GB2312">模式的，</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">仅</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">需提供</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">借款人、配偶及共有人</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">的</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">身份证</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">原件</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">，即可</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">到郑州市各</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">政务</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">服务中心</font></span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">公积金窗口</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">申请办理</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">，</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">纸质材料</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">减免了</font>9<font face="仿宋_GB2312">项；采用</font><font face="Times New Roman">“</font><font face="仿宋_GB2312">直还</font><font face="Times New Roman">”</font><font face="仿宋_GB2312">模式的，提供</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:仿宋;mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">借款人、配偶及共有人</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">身份证</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">原件</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">和</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">银行出具的《同意提前结清商业贷款函》</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">《同意办理顺位抵押函》，即可</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">到郑州市各</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">政务</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">服务中心</font></span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">公积金窗口</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">申请办理</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">，</font></span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-ascii-font-family:'Times New Roman'; mso-hansi-font-family:'Times New Roman';mso-bidi-font-family:'Times New Roman';font-size:16.0000pt; mso-font-kerning:1.0000pt;">纸质材料</span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><font face="仿宋_GB2312">减免了</font>8<font face="仿宋_GB2312">项。</font></span><span style="mso-spacerun:'yes';font-family:'Times New Roman';mso-fareast-font-family:仿宋_GB2312; font-size:16.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
住房公积金是否支持租房提取？
<p style="text-align: left; text-indent: 2em;"><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">可以。新市民、青年人</span><span aria-label="在" style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">在</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">郑州</span><span aria-label="市" style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">市</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">行政区域内无自有住房</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">，</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">承租本市公租房、人才公寓、保障性租赁住房或其他租赁住房的，可</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">按照</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">实际支付的租金在年度内多次提取住房公积金，</span><span aria-label="单" style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">单</span><span aria-label="身" style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">身</span><span aria-label="缴" style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">缴</span><span aria-label="存" style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">存</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;"><font face="仿宋_GB2312" style="transition-property: transform, color, background, opacity, border, display !important;">家庭年提取金额为</font>18</span><span style="font-size: 10.5pt; color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; transition-property: transform, color, background, opacity, border, display !important;">,</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">000元，</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">已婚缴存</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;"><font face="仿宋_GB2312" style="transition-property: transform, color, background, opacity, border, display !important;">家庭年提取金额为</font><font face="仿宋_GB2312" style="transition-property: transform, color, background, opacity, border, display !important;">36</font></span><span style="font-size: 10.5pt; color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; transition-property: transform, color, background, opacity, border, display !important;">,</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">000元</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">，或者按照职工</span><span style="color: rgb(102, 102, 102); text-align: justify; text-indent: 42.6667px; font-family: 仿宋_GB2312; font-size: 16pt; transition-property: transform, color, background, opacity, border, display !important;">当年实际缴存额提取。</span></p>
新交易存量住房是否可以办理组合贷款业务？
<p class="MsoNormal" style=""><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:宋体; font-size:16.0000pt;mso-font-kerning:1.0000pt;">可以。</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:宋体; font-size:16.0000pt;mso-font-kerning:1.0000pt;">申请存量住房组合贷款的借款人应当同时符合住房公积金和商业银行个人住房贷款申请条件，同意以公积金中心和商业银行作为共同抵押权人，将所购住房设定抵押，为贷款提供担保。与公积金中心签订有关业务合作协议</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:宋体; font-size:16.0000pt;mso-font-kerning:1.0000pt;">的</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:宋体; font-size:16.0000pt;mso-font-kerning:1.0000pt;">商业银行，</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:宋体; font-size:16.0000pt;mso-font-kerning:1.0000pt;">可</span><span style="mso-spacerun:'yes';font-family:仿宋_GB2312;mso-hansi-font-family:宋体; font-size:16.0000pt;mso-font-kerning:1.0000pt;">参与存量住房组合贷款业务。</span><span style="mso-spacerun:'yes';font-family:Calibri;mso-fareast-font-family:宋体; mso-bidi-font-family:'Times New Roman';font-size:10.5000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p>
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主办单位：郑州市人民政府办公室
地址：郑州市中原路233号
邮编：450007
网站标识：4101000002
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豫公网安备 41010202002520号
豫公网安备 41010202002520号
