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我名下有一套房，无贷款，能否用公积金贷款买二套房啊？
杭州三套房认定标准：&银行认定第三套房贷款的八种人群归纳下：&第一种：个人名下有两套商业贷款记录，一套已还清并出售，另一套未还清，这种情况如若再次贷款，会被银行认定为第三套住房贷款。&第二种：个人名下有两套商业贷款记录，全都还清且出售，虽然能够提供两套住房出售证明，个人名下无房产，但再贷款时也会被认为是三套房。&第三种：个人名下有一套商业贷款已还清，另一套是贷款也已经还清，借款人想要用公积金贷款购买另外一套房产，按照公积金新政规定视为三套房，按照三套房贷款政策执行。&第四种：个人名下首套房公积金贷款，二套房商业贷款，再次贷款还准备用商业贷款，这种情况肯定会被算做三套。&第五种：夫妻双方，婚前一方使用商业贷款购房，另一方购房用的是公积金贷款，婚后两人想要以夫妻的名义共同贷款，根据新政虽然都是婚前的个人贷款行为，但因央行征信系统中都存有记录，所以以夫妻共同名义贷款买房还是会算做三套房。&第六种：夫妻双方，一方婚前有房但无任何贷款未出售，另一方曾用商业贷款为父母买过房产，结婚后以无贷款的那一方名义用公积金贷款再购房。根据公积金贷款的现行政策，无论个人名下房产是否已出售，贷款是否已还清卖掉，再贷款使用公积金时都会算做一次购房记录，在以家庭为单位，认房又认贷的政策标准衡量下会被视为第三次贷款购房，予以停贷。&第七种，夫妻双方，婚前一方名下有过一套全款购买的住房已出售，一套公积金贷款购买的住房已还清未出售，婚后想以另一方的名义申请公积金贷款再购房。根据公积金贷款新政，婚后准备购置的这套房产属于第三套房，公积金目前是停贷的。&第八种，夫妻双方，婚前一方有一套全款购买住房但名下无贷款，婚后以另一方名义全款购买了一套住房，现在两人准备以两人共同名义用公积金贷款再购买一套房，根据目前公积金新政规定，两人准备再次购买的住房是属于第三套房，公积金是停贷的。
其他回答(共2条)
您好，很高兴为您解答。一、贷款买过一套房，商业贷款已结清，再贷款买房——算首套。&二、贷款买过一套房，后来卖掉，通过房屋登记系统查询不到房产，但在银行征信系统里能查到贷款记录，再贷款买房——算首套。&三、全款买过一套房，贷款买房——算首套。&四、全款买过一套房，后来卖掉了，房屋登记系统查不到房产，再贷款买房——算首套。五、个人名下有两套房的商业贷款记录，全都已还清且出售，同时能够提供两套住房出售的证明，这种情况下再贷款时——算首套。&六、个人名下有一套房商业贷款已还清，另一套是公积金贷款已出售，同时能够提供住房出售的证明，申请商业贷款再买房——算首套。&七、夫妻两人，一方婚前买房使用商业贷款，另一方婚前购房用的是公积金贷款，婚后两人想要以夫妻名义共同贷款。若贷款已还清，银行业金融机构可以根据借款人偿付能力、信用状况等具体因素灵活把握和首付比例。&八、夫妻两人，一方婚前有房但无贷款记录，另一方婚前有贷款记录但名下无房产，婚后买房申请贷款——算首套。
最新南宁房贷政策：&&一、客户（以家庭为单位）购买首套住房,或客户家庭名下有一套房，并且房贷已全部结清，再买第二套房：&&&用纯商业贷款的，首付25%，贷75%，利率执行基准，即4.9%。&&&用纯公积金贷款的，首付20%，贷80%，利率执行基准，即3.25%。&&&用公积金+商业组合贷款的，首付30%，贷70%，利率执行基准。&&&二、客户家庭名下有一套房，并且商贷未结清，再买房用：&&&纯商业贷款，首付40%，贷60%，利率上浮10%，即5.39%。&&&纯公积金贷款，首付20%，贷80%，利率执行基准，即3.25%。&&&公积金+商业组合贷款的，首付40%，贷60%，商贷部分上浮10%即5.39%，公积金部分执行基准3.25%。&&&三、客户家庭名下有两套或两套以上都无贷款或贷款已全部结清，再买房用：&&&纯商业贷款，可按首套，首付25%,贷75%，利率执行基准利率，即4.9%。&&&纯公积金贷款，首付20%，贷80%，利率执行基准，即3.25%。&&&组合贷款可咨询公积金管理中心。&&&四、客户家庭名下有两套或两套以上住房，其中有一套未结清，再买房：&&&用商业贷款的，按二套，首付40%，贷60%，利率上浮10%。&&&公积金及组合贷款建议进一步咨询公积金管理中心。&&&五、客户家庭名下有两套或两套以上住房，都未结清贷款的，再买房：&&&不能贷款。
公积金热门问题
相关套图推荐1000元小额借款秒批app：公积金贷款是万能的？这5个盲区你肯定不知道
&：公积金贷款是万能的？这5个盲区你肯定不知道
现如今每个人都有缺钱的时候，有的选择到工商贷款、有的选择去建设银行贷款、有的选择用人问（），还有的选择、其实每个人都是为了解决自己的经济拮据问题，这个怎么申请的小编很理解大家，那么今天就的问题小编就给大家带来一个比较不过的福利，需要钱的小伙伴有福气了，下面跟随小编的步伐来看看吧。
&<span new="new" times="times" ar-sa="ar-sa" zh-cn="zh-cn" en-us="en-us" pt="pt" roman="roman" style="color: rgb(62, 62, 62); font-size: 16 text-indent: 0 margin: 0 padding: 0 max-width: 100%; font-family: 宋体; box-sizing: border-box !im word-wrap: break-word !im">当贷款买房成为楼市的主流时，如何更省钱更方便的贷款就成了大家思考的一个问题。而公积金贷款的出现无疑是锦上添花的一种方式。但公积金贷款也不是万能的，大家普遍对公积金贷款买房存在着<span lang="EN-US" ar-sa="ar-sa" zh-cn="zh-cn" en-us="en-us" pt="pt" calibri="calibri" style="color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im">5<span new="new" times="times" ar-sa="ar-sa" zh-cn="zh-cn" en-us="en-us" pt="pt" roman="roman" style="color: rgb(62, 62, 62); font-size: 16 text-indent: 0 margin: 0 padding: 0 max-width: 100%; font-family: 宋体; box-sizing: border-box !im word-wrap: break-word !im">个误区，跟着小编来看看吧！
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><span new="new" times="times" ar-sa="ar-sa" zh-cn="zh-cn" en-us="en-us" pt="pt" roman="roman" style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体; font-size: 20"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im">一、
<h3 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体; font-size: 20"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im">公积金账户余额不能做购房首付
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; font-family: 宋体; box-sizing: border-box !im word-wrap: break-word !im">公积金作为方便大家购房的一项福利是为贷款提供方便的。但是作为贷款买房每个人都要缴纳的首付款来说：
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; font-family: C box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; font-family: 宋体; box-sizing: border-box !im word-wrap: break-word !im">公积金贷款和银行商业贷款一样，都是需要购房者自己出的，不能通过公积金贷款或者公积金账户余额来支付购房首付款。而且公积金的使用原则是先使用后提取，<span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">只有缴纳了购房首付，签订了购房合同，才能拿着相关材料来办理公积金提取手续。
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-size: 18"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">二、
<h3 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体; font-size: 20"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im">购房贷款不能超过公积金贷款额上限
<h3 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">公积金贷款的贷款额度和商业贷款不同。
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; font-family: 宋体; box-sizing: border-box !im word-wrap: break-word !im">商业贷款是依据对贷款人的还贷能力的评估，评估过关，基本上即可给予除去首付款之外的所有贷款额度，公积金贷款额度的发放则是根据贷款人的收入，每月缴存公积金的额度和缴存比例来计算的，而不是单纯的依据房产值来计算贷款额。
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">比如你的公积金贷款额度只能是<span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: C">50<span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">万，而买房需要贷<span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: C">70<span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">万，则使用公积金贷款只能拿到<span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: C">50<span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">万的贷款，在商业银行贷款，你评估合格的话是可以拿到<span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: C">70<span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">万贷款的。
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体; font-size: 20">三、
<h3 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体; font-size: 20"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im">装修房子不能提取公积金
<h3 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im">&
<h5 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-size: 18"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">公积金是为职工在购房、建造、翻建、大修自住住房（维修费用超过房屋造价<span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: C">30%<span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">以上）时可以提取使用而设置的福利。
<h5 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im">&
<h5 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">装修虽然也属于房屋的一部分，但是不在公积金提取使用的范围内，所以不能提取使用公积金。使用公积金前要搞清楚公积金的用途，可以有选择有目的的使用，不然你可能在资金不足的情况下装修完房屋后才发现无法提取公积金，补偿资金支出，一时陷入困顿。
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<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体; font-size: 20">四、
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><span new="new" times="times" ar-sa="ar-sa" zh-cn="zh-cn" en-us="en-us" pt="pt" roman="roman" style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体; font-size: 20">子女购房不能使用父母的公积金
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<p style="margin: 0cm 0cm 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 background-image: background-position: background-size: background-repeat: background-attachment: background-origin: background-clip: line-height: 16.05 box-sizing: border-box !im word-wrap: break-word !im"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im">公积金账户实名认证，父母和子女各有各的账户，是不能混合用的。<span pt="pt" sans-serif="sans-serif" style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><o:p style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im">
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<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0cm 0cm 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">公积金贷款的主体和签订购房合同，办理购房贷款的主体必须是一致的。再者，父母和子女虽然是一家人，而且买房时父母也一定会在金钱方面给予子女一定的资助，但在公积金贷款问题上，二者则是单独分开的，不能混淆。如果子女没有公积金，则不能申请公积金贷款。
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<p style="margin: 0cm 0cm 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体;">五、
<h3 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im"><strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体; font-size: 20">公积金提取不能超过房款总额
<h3 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im">&
<h3 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im font-family: 宋体; font-size: 20"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; font-size: 16 box-sizing: border-box !im word-wrap: break-word !im">据公积金先用后取的原则，贷款人完成贷款之后，<strong style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; font-family: 宋体; box-sizing: border-box !im word-wrap: break-word !im">在提取公积金的时候，提取额度是要根据贷款额度和房屋总价来定的。
<h3 style="margin: 0 padding: 0 font-weight: 400; font-size: 16 max-width: 100%; color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 line-height: box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; font-family: 宋体; box-sizing: border-box !im word-wrap: break-word !im">一般来说，如果公积金可以提取的额度是50万，购房者贷款额度或者房屋总价是30万，那么你只能提取30万，公积金账户中剩下的20万是不能提取的。只能继续放在账户中，为以后贷款买房，房屋建造、翻建、大修的时候使用，不能作为你的流动资金。
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<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 box-sizing: border-box !im word-wrap: break-word !im">&
<p style="margin: 0 padding: 0 max-width: 100%; clear: min-height: 1 color: rgb(62, 62, 62); font-family: &Helvetica Neue&, Helvetica, &Hiragino Sans GB&, &Microsoft YaHei&, Arial, sans- font-size: 16 text-indent: 0 background-image: background-position: background-size: background-repeat: background-attachment: background-origin: background-clip: line-height: 21 box-sizing: border-box !im word-wrap: break-word !im"><span style="margin: 0 padding: 0 max-width: 100%; box-sizing: border-box !im word-wrap: break-word !im">所以你们看公积金还真的不是万能的，如果你身边有踩进误区的朋友，那还等什么？！赶紧转给TA看看！及时避免掉这些麻烦吧！
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