ajaxInitialize({"familiarlist":[{"answer":"执行中国人民银行公布的利率。目前执行中国人民银行2008年9月16日公布的利率，即：5年以下（含5年）年利率为4.59%；5年以上（30年以内）年利率为5.13%。\r\n\r\n　　当利率调整时，住房公积金贷款期限在1年以内（含1年）的，实行合同利率；贷款期限在1年以上，且在调整日前已发放的贷款，于次年1月1日开始调整，按相应利率档次执行新的利率规定。利率的调整，中心不另行通知借款人。","configuration_id":"2799D4A81067FAC5CB31F68769508D4A","createDate":"2019-12-19 17:01:11","createUserid":"25199d053cd342ccba8b401db85b92bb","details":null,"enableTime":"","failureTime":"","id":"791E0EB113C6FA3BCF65454D2276A0FA","isCommon":"0","isFailure":"1","isFamiliar":"0","isSimilar":"","keyword":"","knowledgeSimilars":[],"name":"住房公积金贷款利率是如何执行的？","showName":"","state":"0","updateDate":"","updateUserid":"","znwdClass":null,"znwdKnowledges":[]},{"answer":"现行的住房公积金贷款利率是按人民银行颁布的利率执行的。由于住房公积金贷款是为支持广大公积金缴存职工解决和改善个人住房条件而发放的政策性贷款，与商业银行贷款相比一直执行较低的优惠利率，因此没有打折的政策。从2000年至今公积金贷款利率同商业银行贷款利率相比，优惠幅度超过2个百分点。即使商业银行贷款执行最低7折利率优惠政策，公积金贷款利率仍低于商业贷款利率。 \r\n　　在现有利率水平，如客户申请办理20万20年贷款，住房公积金贷款按现有年利率3.87%计算，月还款额为1198.3元，到期总共归还利息87593.04元。而银行个人住房贷款按基准利率5.94%计算，月还款额为1425.95元，到期总共归还利息142227.4元。住房公积金贷款比银行贷款每月少支付还款金额227.65元，到期共节省利息54634.45元。\r\n　　现在各商业银行在执行利率打折尤其是最低7折利率优惠政策时，对借款人的借款金额、信用情况、是否为首次购房等都有较为严格的限制，并不是所有的借款人都能享受到该项优惠政策。而公积金贷款则是对所有符合条件的借款人都实行统一的利率政策。因此，为降低利息支出，住房公积金贷款是职工贷款买房的首选。","configuration_id":"2799D4A81067FAC5CB31F68769508D4A","createDate":"2019-12-19 17:00:56","createUserid":"25199d053cd342ccba8b401db85b92bb","details":null,"enableTime":"","failureTime":"","id":"63C2B885E250AEA9E5ED09209F816012","isCommon":"0","isFailure":"1","isFamiliar":"0","isSimilar":"","keyword":"","knowledgeSimilars":[],"name":"住房公积金贷款有无利率打折政策？","showName":"","state":"0","updateDate":"","updateUserid":"","znwdClass":null,"znwdKnowledges":[]},{"answer":"查询个人住房公积金账户金额方法\r\n \r\n我想查询个人住房公积金余额，怎么查询 \r\n答：目前中心提供多种查询方式，方便广大职工查询自己的个人住房公积金余额：\r\n①在银行柜员机上查询。\r\n②上公积金网站www.hnsygjj.cn在公积金在线一栏输入姓名及身份证号查询。\r\n③带身份证前往邵阳市住房公积金管理中心营业厅即委托工作人员查询。\r\n④拨打自动语音查询电话114查询。","configuration_id":"2799D4A81067FAC5CB31F68769508D4A","createDate":"2019-12-19 17:00:34","createUserid":"25199d053cd342ccba8b401db85b92bb","details":null,"enableTime":"","failureTime":"","id":"D6424C6EC79366E5F88C09F9C764A8DB","isCommon":"0","isFailure":"1","isFamiliar":"0","isSimilar":"","keyword":"","knowledgeSimilars":[],"name":"查询个人住房公积金账户金额方法","showName":"","state":"0","updateDate":"","updateUserid":"","znwdClass":null,"znwdKnowledges":[]},{"answer":"可以。职工在省内购房可申请住房公积金贷款；职工在省外购房，如职工本人、配偶或直系亲属的户籍或工作单位均非购房所在地的，则不能申请住房公积金贷款。\r\n根据邵阳市住房公积金《关于进一步规范异地购房提取和贷款业务办理的通知》，为充分发挥住房公积金的住房保障作用，有效防范骗提骗贷行为，确保资金运行安全，按照国家相关政策要求，结合我市实际情况，现将有关事项通知如下：\r\n一、职工本人、配偶或直系亲属的户籍或工作单位均非购房所在地的（省内除外），停止办理提取或贷款业务。\r\n 二、职工本人、配偶或直系亲属其中任意一人的户籍或工作单位为购房所在地的，办理提取或贷款业务时，需提供以下材料：\r\n1. 提供职工本人、配偶或直系亲属其中任意一人的户籍证明或单位证明（省内购房的可以不提供）；\r\n2. 已取得不动产权证的，提供不动产权证、购房发票、契税凭证、房屋维修基金票据和购房资金支付凭证等；\r\n3. 未取得不动产权证的，提供购房合同、购房发票和购房资金支付凭证等。\r\n三、在提取或贷款资料审核时，应通过官网查询或发协查函等方式向购房所在地的房屋产权登记部门或住房公积金管理中心核实职工购房真实性，向公安部门核实其户籍情况真实性。不能核实职工购房真实性的或经核实房屋交易不属实的，不得办理住房公积金提取或贷款业务。\r\n四、在提取或贷款审核过程中，职工提供的资料真实性存在疑义的，应当要求职工进一步提供其他有效证明材料，或向有关部门调查、取证、核实，并根据核实结果在7个工作日内作出准予或不准提取、贷款的答复。\r\n五、职工以欺骗手段违法提取本人住房公积金账户内的存储余额或贷款的，责令限期退回骗提骗贷资金，同时将其纳入中心黑名单，取消该职工3年内住房公积金提取和贷款资格，并视情况向其工作单位通报。对伪造合同、伪造不动产权证、出具虚假证明、编造虚假住房消费以及牟取不当利益等违法行为的机构及其人员，移送有关部门依法处理；对构成犯罪的，依法追究其刑事责任。","configuration_id":"2799D4A81067FAC5CB31F68769508D4A","createDate":"2019-12-19 17:00:15","createUserid":"25199d053cd342ccba8b401db85b92bb","details":null,"enableTime":"","failureTime":"","id":"08E74B55AC6FE3346EDBBCAE75BB0A9F","isCommon":"0","isFailure":"1","isFamiliar":"0","isSimilar":"","keyword":"","knowledgeSimilars":[],"name":"异地购房是否可以申请住房公积金贷款？","showName":"","state":"0","updateDate":"","updateUserid":"","znwdClass":null,"znwdKnowledges":[]},{"answer":"二套房贷（第二次在公积金中心贷款，2009年\r\n12月31日以前结清的贷款可不计算贷款次数）首付需达到总房款的20%；贷款额度不超过房价80%，最高不超过50万；借款利率在现有利率基础上上浮1.1倍。","configuration_id":"2799D4A81067FAC5CB31F68769508D4A","createDate":"2019-12-19 16:59:53","createUserid":"25199d053cd342ccba8b401db85b92bb","details":null,"enableTime":"","failureTime":"","id":"3BD8A2BEB57979768282721D1F995579","isCommon":"0","isFailure":"1","isFamiliar":"0","isSimilar":"","keyword":"","knowledgeSimilars":[],"name":"住房公积金的二套房贷政策？","showName":"","state":"0","updateDate":"","updateUserid":"","znwdClass":null,"znwdKnowledges":[]},{"answer":"很抱歉！装修不能提取也不能申请住房公积金贷款。\r\n根据国家《住房公积金管理条例》第二十四条规定：职工购买、建造、翻建、大修自住住房的，可以提取职工住房公积金账户内的存储余额，有很多职工就问了房屋装修可以提取住房公积金吗大修不是可以提取吗这是对“装修”和“大修”两个概念理解有误，其实装修和大修是有本质意义上的区别的。建设部在《住房公积金条例释义》中明确指出：大修是指需要牵动或拆换住房部分主体构件，但不需全部拆除住房，装修、装饰、中修、小修等行为都不可以提取住房公积金。由此可见，大修是房屋年代久远，主体结构发生变动，成了危房的、不能继续居住而必须进行的修缮；装修只是房屋的内部装饰，所以房屋装修是不可以提取住房公积金的。\r\n 目前住房公积金仅限于购买、大修住房等住房基本消费方面的支出，而装修作为享受性支出暂时不予提取，也不能申请公积金贷款。\r\n 房屋大修不等同装修，大修支取需提供房屋所在地县以上房地产管理部门出具的危房鉴定书。","configuration_id":"2799D4A81067FAC5CB31F68769508D4A","createDate":"2019-12-19 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