繁體

哪些情况可以提取住房公积金？

为什么“直还”模式有些银行办不了？

一方面，公积金中心无权强制要求商业银行开展“直还”模式，只能通过业务合作，持续动员协调更多的商业银行签约。另一方面，公积金中心不是金融机构，不能直接经营银行业务，按照《住房公积金管理条例》规定，公积金贷款资金必须通过业务受托银行发放，如果公积金受托银行和原商贷银行不是相同银行，比如工商银行对建设银行，在仅提供内部结算账户时，跨行划转资金目前难以实现。

“商转公”贷款的“直还”模式办理为什么相对复杂？

“商转公”贷款业务不属于住房公积金的基本业务范畴，一般采用“先还再贷”模式。郑州公积金中心为帮助解决<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 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 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 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;">，推出了“直还”模式，即用公积金结清商贷余额，把商贷转换为公积金贷款，降低缴存职工购房利息支出。<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;">“直还<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商贷借款人结<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;">清贷款，所以有<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 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 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 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;">，内容包括还款银行资金接收<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、贷款余额<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;">等信息<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，公积金中心重新办理房屋抵押后才能放款，<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 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 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 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 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 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>

“商转公”贷款办理材料精简了哪些？

<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;">2025年7月9日<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 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 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 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;">郑州住房公积金“商转公”业务<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。采用“先还再贷”模式的，<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;">仅需提供<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 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 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;">身份证原件<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;">，即可到郑州市各<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;">政务服务中心公积金窗口<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 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;">纸质材料减免了9项；采用“直还”模式的，提供<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 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;">身份证原件<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;">和银行出具的《同意提前结清商业贷款函》<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》，即可到郑州市各<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;">政务服务中心公积金窗口<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 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;">纸质材料减免了8项。<o:p></o:p>

住房公积金是否支持租房提取？

<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 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 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 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 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 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 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 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 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 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 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 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 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 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;">家庭年提取金额为18<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 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 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 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;">家庭年提取金额为36<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 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 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 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。

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