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新政策对申请住房公积金贷款带来了哪些变化？
<p><span style="font-family: Verdana, Arial, "Microsoft Yahei"; font-size: medium; text-indent: 32px;">住房公积金使用政策新调整内容执行后，对办理住房公积金贷款或组合贷款主要有三个方面的影响：一是缴存住房公积金不满12个月的，需暂缓（待缴满12个月后）申请住房公积金贷款；二是还款能力偏低的家庭获得批准的最高住房公积金贷款金额会有所减小；三是个人征信有严重不良记录的，将不能办理住房公积金贷款。</span><br></p>
新政策对职工办理住房公积金提取有哪些影响？
<p><span style="font-family: Verdana, Arial, "Microsoft Yahei"; font-size: medium; text-indent: 32px;">住房公积金使用政策新调整内容执行后，拟以购房为由提取住房公积金的，如果购房时间未超过2年，可继续以购房为由办理提取业务，购房时间超过2年的，则不能再以购买该套房为由办理提取业务；住房公积金贷款未结清的家庭，夫妻双方只能以归还住房公积金贷款本息为由办理提取业务或办理委托提取归还住房公积金贷款本息（冲还贷）业务，不能以其他理由办理提取业务。</span><br></p>
新政策执行后是否会影响正在购房的家庭使用住房公积金贷款？
<p><span style="font-family: Verdana, Arial, "Microsoft Yahei"; font-size: medium; text-indent: 32px;">住房公积金使用政策新调整的内容中，除提取政策于发布之日起执行外，有关住房公积金贷款的政策设有1个月的新老政策过渡期，过渡期结束后之前已签订过购房合同（以房管部门备案为准）或已完成预审（存量房贷款或组合贷）的，可继续按原政策办理对应贷款业务。因此，不会影响正在购房的家庭使用住房公积金贷款。</span><br></p>
组合贷款业务郑州市区合作银行网点有哪些？
<div align="center"><div align="center"><table class="MsoTableGrid" border="1" cellspacing="0" style="border: none;"><tbody><tr><td width="200" valign="top" style="width:150.5000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:1.0000pt solid windowtext;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="center" style="text-align:center;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">网点名称</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td><td width="334" valign="top" style="width:250.7500pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:1.0000pt solid windowtext;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="center" style="text-align:center;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><font face="宋体">地</font> 址</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td><td width="135" valign="top" style="width:101.4000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:1.0000pt solid windowtext;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="center" style="text-align:center;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">咨询电话</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td></tr><tr><td width="200" valign="center" style="width:150.5000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="p" align="justify" style="text-align: justify; line-height: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">建行百花路支行</span><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><o:p></o:p></span></p><p class="p" align="justify" style="text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">个贷中心</span><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><o:p></o:p></span></p></td><td width="334" valign="center" style="width:250.7500pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="justify" style="text-align:justify;text-justify:inter-ideograph;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><font face="宋体">中原区百花路</font>46号（百花路互助路交叉口南100路西）建行2楼13号柜</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td><td width="135" valign="center" style="width:101.4000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="center" style="text-align:center;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">67176339</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td></tr><tr><td width="200" valign="center" style="width:150.5000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="p" align="justify" style="text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">建行嵩山路支行</span><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt;"><o:p></o:p></span></p><p class="p" align="justify" style="text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">个贷中心</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p></td><td width="334" valign="center" style="width:250.7500pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="justify" style="text-align:justify;text-justify:inter-ideograph;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><font face="宋体">中原区嵩山路</font>6号（嵩山路互助路交叉口南100米路西）建行3楼</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td><td width="135" valign="center" style="width:101.4000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="center" style="text-align:center;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">67973268</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td></tr><tr><td width="200" valign="center" style="width:150.5000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="p" align="justify" style="text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">建行政三街支行</span><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt;"><o:p></o:p></span></p><p class="p" align="justify" style="text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">个贷中心</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p></td><td width="334" valign="center" style="width:250.7500pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="justify" style="text-align:justify;text-justify:inter-ideograph;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><font face="宋体">金水区政三街</font>5号（省人民会堂后面）建行3楼</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td><td width="135" valign="center" style="width:101.4000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="center" style="text-align:center;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">65529753</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td></tr><tr><td width="200" valign="center" style="width:150.5000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="p" align="justify" style="text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">中行陇西支行</span><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt;"><o:p></o:p></span></p><p class="p" align="justify" style="text-align: justify; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">消贷中心</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:0.0000pt;"><o:p></o:p></span></p></td><td width="334" valign="center" style="width:250.7500pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="justify" style="text-align:justify;text-justify:inter-ideograph;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><font face="宋体">中原区建设中路</font>11号（建设路百花路交叉口西200米路北）中行2楼</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td><td width="135" valign="center" style="width:101.4000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="center" style="text-align:center;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">87027098</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td></tr><tr><td width="200" valign="center" style="width:150.5000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="justify" style="text-align:justify;text-justify:inter-ideograph;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">浦发银行百花路支行</span></p><p class="MsoNormal" align="justify" style="text-align:justify;text-justify:inter-ideograph;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">信贷中心</span><span style="font-family:宋体;font-size:12.0000pt;mso-font-kerning:1.0000pt;"><o:p></o:p></span></p></td><td width="334" valign="center" style="width:250.7500pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="justify" style="text-align:justify;text-justify:inter-ideograph;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><font face="宋体">中原区百花路</font>46号（百花路互助路交叉口）浦发银行2楼</span><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><o:p></o:p></span></p></td><td width="135" valign="center" style="width:101.4000pt;padding:0.0000pt 5.4000pt 0.0000pt 5.4000pt ;border-left:1.0000pt solid windowtext; mso-border-left-alt:0.5000pt solid windowtext;border-right:1.0000pt solid windowtext;mso-border-right-alt:0.5000pt solid windowtext; border-top:none;mso-border-top-alt:0.5000pt solid windowtext;border-bottom:1.0000pt solid windowtext; mso-border-bottom-alt:0.5000pt solid windowtext;"><p class="MsoNormal" align="center" style="text-align:center;"><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;">87567158</span><span style="font-family: 宋体; letter-spacing: 0pt; font-size: 12pt; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><o:p></o:p></span></p></td></tr></tbody></table></div></div>
灵活就业人员缴存住房公积金后如何使用住房公积金贷款？
<p><span style="font-family: Verdana, Arial, "Microsoft Yahei"; font-size: medium; text-indent: 32px;"> 按灵活就业人员缴存住房公积金的职工，在符合贷款条件时，可按照住房公积金管理中心审批、合作银行承办的流程申请住房公积金贴息贷款。即住房公积金管理中心审批后，先由指定商业银行利用自有资金，根据住房公积金管理中心批准的贷款额度和贷款期限，按照商业住房贷款利率向借款人发放住房贷款，借款人每月偿还商业住房贷款本息后，住房公积金管理中心再向借款人补贴住房公积金贷款与商业住房贷款的利息差额。住房公积金贴息贷款实质为住房公积金贷款，不同之处在于贷款资金的来源不同，开展住房公积金贴息贷款的目的在于扩大住房公积金贷款资金供给，最大限度地满足缴存职工的贷款需求。这一新业务先在灵活就业人员缴存群体中推行，后期将逐步推行到组合贷款业务中。</span><br></p>
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