株洲公积金再推新政！第二套住房“可提可贷”
<section style="margin: 24px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">4月1日起，我市将对第二套房“可提可贷”等3项政策实施优化；7月1日起，实施优化灵活就业人员缴存使用住房公积金政策。此举旨在以进一步规范株洲市住房公积金缴存使用政策，切实保障刚性和改善性住房需求，充分发挥住房公积金保障作用。主要内容如下：</span></section><p><br/></p><section style="margin: 24px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">一、实施第二套房“可提可贷”政策</strong></span></section><section style="margin: 24px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">缴存人家庭在株洲市购买第二套改善性住房的，可提取不超过购房首付款的住房公积金后，申请住房公积金贷款(含商转公)。</span></section><section style="margin: 24px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">二、全面支持“商转公”贷款</strong></span></section><section style="margin: 24px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">缴存人因购建自住住房办理的商业银行个人住房贷款，符合条件的均可以申请转为住房公积金贷款。所购住房已取得不动产权证的，用本套房设定抵押；未取得不动产权证的，可用其他住房设定抵押，待出证后再置换抵押物。</span></section><section style="margin: 24px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">三、支持因重大疾病造成家庭生活严重困难提取公积金</strong></span></section><section style="margin: 24px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">缴存人本人、配偶及直系亲属因重大疾病（患者属株洲医保参保人员）造成家庭生活严重困难，且符合其他条件的可以申请提取住房公积金账户内的部分余额，提取金额不超过近12个月内大病自付部分扣除缴存人半年收入（缴存基数的6倍）的差额部分。</span></section><section style="margin: 24px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">四、优化灵活就业人员缴存使用住房公积金政策</strong></span></section><section style="margin: 24px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: justify; line-height: 2em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">凡年满18周岁且未达到法定退休年龄，具有完全民事行为能力的灵活就业人员均可自愿缴存使用住房公积金。缴存基数根据实际收入在规定的上下限范围内自主申报，缴存比例在10～24%之间自主选择，允许预缴和补缴住房公积金。灵活就业人员缴存住房公积金可享受低息贷款、依法计息、加息补贴(每年结息日对存储资金给予0.5%-1%的缴存补贴，今年 利 率补贴标准定为0.5%)、个税减免、提取自由等优惠政策。</span></section><link rel="stylesheet" href="//bbs.zhuzhou.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_aFZ" id="wcn_editor_css"/>
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