重磅！城口人的住房公积金贷款可以“冲还贷”
<section data-tools="135编辑器" data-id="97528" style="max-width: 100%;letter-spacing: 0.544px;white-space: normal;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="margin: 10px 8px;max-width: 100%;text-align: center;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="max-width: 100%;display: inline-block;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="padding-right: 10px;padding-left: 10px;max-width: 100%;display: flex;justify-content: space-between;align-items: center;box-sizing: border-box !important;overflow-wrap: break-word !important;"><section style="max-width: 100%;display: flex;justify-content: center;align-items: center;transform: rotate(0deg);box-sizing: border-box 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2em;line-height: 2em;"><span style="color: rgb(33, 33, 34);font-size: 16px;font-family: 宋体, SimSun;">近日从重庆市住房公积金中心独家获悉，为落实国家及我市优化营商环境和“放管服”改革要求，市住房公积金中心在全市全面推广<span style="color: rgb(77, 180, 214);"><strong>住房公积金贷款“冲还贷”和商业贷款约定提取业务</strong></span>，进一步方便职工提取使用住房公积金，降低贷款还款压力。</span></p></section><section style="display: flex;justify-content: flex-end;margin-top: -15px;"><section style="box-sizing:border-box;width: 68px;"><div style="text-align:center"></div></section></section></section></section></section></section><section data-tools="135编辑器" data-id="95975"><section style="text-align: center;margin:10px auto;"><section style="display:inline-block;"><section style="box-sizing:border-box;width:20px;margin-left:10px;"><br></section></section></section></section><p style="text-align: center;"><div style="text-align:center"></div></p><section style="margin-left: 8px;margin-right: 8px;line-height: 2em;text-indent: 0em;text-align: center;"><span style="font-size: 14px;color: rgb(136, 136, 136);">资料图，图片来源：视觉中国</span></section><section style="margin-left: 8px;margin-right: 8px;line-height: 2em;text-indent: 0em;text-align: center;"><br></section><section data-tools="135编辑器" data-id="95975" style="white-space: normal;"><section style="margin: 10px auto;text-align: center;"><section style="display: inline-block;"><section style="margin-left: 10px;box-sizing: border-box;width: 20px;"><div style="text-align:center"></div></section><section data-bcless="darken" data-bclessp="30%" data-brushtype="text" style="margin-top: -14px;padding: 8px 1em;background: rgb(183, 237, 255);border-width: 2px;border-style: solid;border-color: rgb(100, 53, 152);color: rgb(100, 53, 152);"><p style="line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;"><strong>住房公积金贷款“冲还贷<strong style="color: rgb(100, 53, 152);font-family: 宋体, SimSun;font-size: 16px;text-align: center;white-space: normal;background-color: rgb(183, 237, 255);">”</strong></strong></span></p></section></section></section></section><p style="margin-right: 8px;margin-left: 8px;white-space: normal;text-indent: 2em;line-height: 2em;"><br></p><p style="margin-right: 8px;margin-left: 8px;white-space: normal;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;">优化住房公积金提取业务办理方式，是市住房公积中心开展“我为群众办实事”实践活动以来实施的重要便民举措。</span></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><br></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;">据重庆市住房公积金中心相关负责人介绍，由市住房公积金中心自有资金发放住房公积金贷款的职工，可申请使用<strong>个人住房公积金账户余额直接按月冲抵当月应偿还贷款本息额。</strong><span style="color: rgb(77, 180, 214);"><strong>在个人公积金账户余额充足的情况下，职工可以不用再每月自行还款，只有不足部分从贷款还款卡中扣取，进一步减轻职工还贷压力。</strong></span>特别提醒，职工应在贷款还款卡中保留一个月以上的还贷资金，以免因公积金账户余额不足导致还贷逾期。</span></p><section style="margin-left: 8px;margin-right: 8px;line-height: 2em;text-indent: 0em;text-align: center;"><span style="color: rgb(136, 136, 136);font-size: 14px;text-align: center;"></span></section><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><br></p><section data-tools="135编辑器" data-id="95975"><section style="text-align: center;margin:10px auto;"><section style="display:inline-block;"><section style="box-sizing:border-box;width:20px;margin-left:10px;"><div style="text-align:center"></div></section><section data-bcless="darken" data-bclessp="30%" data-brushtype="text" style="margin-top: -14px;background: rgb(183, 237, 255);border-width: 2px;border-style: solid;border-color: rgb(100, 53, 152);padding: 8px 1em;color: rgb(100, 53, 152);"><p style="line-height: 2em;"><strong><span style="font-size: 16px;font-family: 宋体, SimSun;">住房公积金组合贷款和贴息贷款约定提取</span></strong></p></section></section></section></section><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;"><br></span></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;">而在本市使用住房公积金组合贷款和贴息贷款的职工，可申请根据上一月已偿还的贷款本息额，<span style="color: rgb(77, 180, 214);"><strong>按月将提取资金划入职工个人住房公积金联名卡</strong></span>。即市住房公积金中心将每月按照协议约定日期和额度，自动为职工办理提取手续。职工开通约定提取后，<span style="color: rgb(77, 180, 214);"><strong>将原来一年一提调整为按月自动提取</strong></span>，给职工以最大的便利。特别提醒，职工办理住房公积金组合贷款或贴息贷款约定提取的，仍需职工<strong>每月以自有资金先行偿还贷款本息</strong>。</span></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;"><br></span></p><p style="white-space: normal;text-align: center;"><div style="text-align:center"></div></p><section style="margin-right: 8px;margin-left: 8px;text-indent: 0em;white-space: normal;line-height: 2em;text-align: center;"><span style="font-size: 16px;font-family: 宋体, SimSun;"></span><span style="color: rgb(136, 136, 136);font-size: 14px;">资料图，图片来源：</span><span style="color: rgb(136, 136, 136);font-size: 14px;">视觉中国</span></section><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><br></p><section data-tools="135编辑器" data-id="95975"><section style="text-align: center;margin:10px auto;"><section style="display:inline-block;"><section style="box-sizing:border-box;width:20px;margin-left:10px;"><div style="text-align:center"></div></section><section data-bcless="darken" data-bclessp="30%" data-brushtype="text" style="margin-top: -14px;background: rgb(183, 237, 255);border-width: 2px;border-style: solid;border-color: rgb(100, 53, 152);padding: 8px 1em;color: rgb(100, 53, 152);"><p style="line-height: 2em;"><strong><span style="font-size: 16px;font-family: 宋体, SimSun;">商业贷款约定提取</span></strong></p></section></section></section></section><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;"><br></span></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;">职工使用商业贷款在本市购买自住住房且可通过数据协查核实该笔贷款相关信息的，<span style="color: rgb(77, 180, 214);"><strong>可通过微信、个人网厅等线上渠道申报商业贷款相关信息，开通偿还商业贷款在线提取</strong></span>；开通偿还商业贷款在线提取后，职工也可在线申请办理商业贷款约定提取，实现一次签约后，<span style="color: rgb(77, 180, 214);"><strong>系统自动按约定时间和金额为职工办理提取手续</strong></span>，避免职工多跑腿。</span></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><br></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;">据悉，目前市住房公积金中心已与工商银行、农业银行、中国银行、建设银行、交通银行、兴业银行、中信银行、招商银行、民生银行、重庆银行等10家商业银行建立了商业贷款信息协查机制，职工在上述银行使用商业贷款在本市购买自住住房且能通过数据协查核实到贷款相关信息的，均可办理商业贷款约定提取业务。据悉，市住房公积金中心将进一步拓展商业银行合作范围，不断简化提取办理手续，拓展服务渠道，方便职工提取使用住房公积金，让更多缴存职工在更多层面感受到便利和实惠。</span></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;"><br></span></p><section data-tools="135编辑器" data-id="95975"><section style="text-align: center;margin:10px auto;"><section style="display:inline-block;"><section style="box-sizing:border-box;width:20px;margin-left:10px;"><div style="text-align:center"></div></section><section data-bcless="darken" data-bclessp="30%" data-brushtype="text" style="margin-top: -14px;background: rgb(183, 237, 255);border-width: 2px;border-style: solid;border-color: rgb(100, 53, 152);padding: 8px 1em;color: rgb(100, 53, 152);"><p style="line-height: 2em;"><strong><span style="font-size: 16px;font-family: 宋体, SimSun;">线上线下均可办理该业务</span></strong></p></section></section></section></section><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;"><br></span></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;">华龙网-新重庆客户端记者了解到，职工申请办理住房公积金贷款冲还贷、住房公积金组合贷款和贴息贷款约定提取、商业贷款约定提取的，须先行与市住房公积金中心办理签约手续。</span></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><br></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;">已开通在线提取的职工，可通过重庆市住房公积金微信公众号、个人网厅等线上渠道，自助办理住房公积金贷款冲还贷、住房公积金组合贷款和贴息贷款约定提取、商业贷款约定提取签约，职工无须提供任何材料。职工除通过线上渠道自助办理签约手续外，也可凭相关证明材料通过临柜方式申请办理， 具体办理方式可通过市住房公积金中心官网或咨询12329办理。</span></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><br></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;">市公积金中心还提醒广大市民，职工首次办理偿还住房公积金贷款或商业贷款本息提取时，可同步申请开通该套住房在线提取。夫妻一方使用一套住房办理了签约手续的，配偶申请签约时须选择该套住房办理，提取顺序根据职工及其配偶签约时间先后确定。</span></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><br></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;">此外职工办理商业贷款约定提取签约手续时，须通过数据协查核实到该笔商业贷款相关信息。</span></p><p style="margin-left: 8px;margin-right: 8px;text-indent: 2em;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;"><br></span></p><section data-tools="135编辑器" data-id="93976"><section style="padding: 0.6em;box-sizing: border-box;"><div style="text-align:center"></div><section style="padding-right: 4px;padding-left: 4px;box-sizing: border-box;"><section style="box-shadow: 1px 1px 6px #e5e5e5;border-bottom-left-radius: 15px;border-bottom-right-radius: 15px;background: #fefefe;"><section style="padding: 1em 1.4em 1em 0.6em;box-shadow: rgb(229, 229, 229) -1px 1px 6px;border-bottom-left-radius: 15px;border-bottom-right-radius: 15px;background: url("https://mmbiz.qpic.cn/mmbiz_png/5G8d8ibY5EzBTtRhXcTMlDSLq5FKoXl8VENvYUtbchANBibiaU7C59vxZ74ck961TwpLO0AxFt2UjeJbIZuFGpecg/640?wx_fmt=png") left bottom / 40% no-repeat;"><section style="border-top: 1px solid rgb(91, 113, 126);border-right: 1px solid rgb(91, 113, 126);border-left: none;border-bottom: none;box-sizing: border-box;"><section style="box-sizing: border-box;width: 22px;margin-top: -7px;background: rgb(254, 253, 254);padding-top: 2px;padding-bottom: 2px;"><div style="text-align:center"></div></section><section data-autoskip="1" style="padding: 0.7em 0.8em 1.2em 1em;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;box-sizing: border-box;" hm_fix="292:555"><p style="text-indent: 2em;margin-left: 8px;margin-right: 8px;line-height: 2em;"><span style="font-size: 16px;font-family: 宋体, SimSun;">在微信公众号上关注“重庆市公积金中心” 完成注册，点击“微官网”，进入到“业务办理”页面，就可以在线申请了。</span></p></section></section><section style="text-align: right;margin-top: -9px;"><section style="box-sizing:border-box;width:50%;display: inline-block;" data-width="50%"><section style="box-sizing:border-box;width: 100%;height: 1px;background: rgb(91, 113, 126);overflow: hidden;" data-width="100%"><br></section><section style="box-sizing: border-box;width: 22px;background: rgb(254, 253, 254);margin-top: -5px;padding-top: 2px;padding-bottom: 2px;"><div style="text-align:center"></div></section></section></section></section></section></section></section></section><p style="margin-left: 8px;margin-right: 8px;line-height: 2em;"><br></p><section style="line-height: 2em;margin-left: 8px;margin-right: 8px;"><div style="text-align:center"></div></section><section style="line-height: 2em;margin-left: 8px;margin-right: 8px;"><br></section><section style="line-height: 2em;margin-left: 8px;margin-right: 8px;"><div style="text-align:center"></div></section><section style="line-height: 2em;margin-left: 8px;margin-right: 8px;"><div style="text-align:center"></div></section><section style="line-height: 2em;margin-left: 8px;margin-right: 8px;"><br></section><section data-role="paragraph"><section data-role="outer" label="Powered by 135editor.com" style="white-space: normal;"><section data-role="paragraph"><p><br></p></section></section><section data-role="outer" label="Powered by 135editor.com" style="white-space: normal;"><section data-role="paragraph"><section data-role="outer" label="Powered by 135editor.com"><section data-role="paragraph"><section style="margin-right: 8px;margin-left: 8px;text-align: center;"><br></section></section></section></section></section></section></section><section style="margin-right: 8px;margin-left: 8px;min-height: 1em;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);color: rgb(163, 163, 163);font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;line-height: 2em;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.544px;font-size: 14px;">来源：<span style="letter-spacing: 0.544px;text-align: start;font-family: ���ź�, Helvetica, Arial, sans-serif;text-indent: 34.136px;">华龙网-新重庆客户端</span></span></section><section data-role="paragraph" style="letter-spacing: 0.544px;white-space: 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