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【速搜问答】公积金提取额度已满怎么办

问答 admin 8个月前 (04-03) 124次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

公积金提取额度已满之后可以继续缴纳公积金,等到公积金账户拥有额度后可以申请提取,不过公积金提取需要满足一定的条件,包括购买、建造、翻建、大修具有所有权的自住住房的;离休、退休的;偿还购买自住住房贷款本息的;因自然灾害或其他突发事件造成家庭生活严重困难的等。

After the withdrawal limit of the provident fund is full, you can continue to pay the provident fund, and you can apply for withdrawal after the provident fund account has the limit. However, the withdrawal of the provident fund needs to meet certain conditions, including the purchase, construction, reconstruction, and overhaul of the owner occupied housing with ownership; retirement; repayment of the principal and interest of the loan for the purchase of the owner occupied housing; damage caused by natural disasters or other emergencies The family life is very difficult.

公积金提取额度已满之后可以继续缴纳公积金,等到公积金账户拥有额度后可以申请提取,不过公积金提取需要满足一定的条件,包括购买、建造、翻建、大修具有所有权的自住住房的;离休、退休的;偿还购买自住住房贷款本息的;因自然灾害或其他突发事件造成家庭生活严重困难的等。

After the withdrawal limit of the provident fund is full, you can continue to pay the provident fund, and you can apply for withdrawal after the provident fund account has the limit. However, the withdrawal of the provident fund needs to meet certain conditions, including the purchase, construction, reconstruction, and overhaul of the owner occupied housing with ownership; retirement; repayment of the principal and interest of the loan for the purchase of the owner occupied housing; damage caused by natural disasters or other emergencies The family life is very difficult.

公积金最大的作用就是使用它贷款买房,毕竟使用公积金购房时贷款利率要比商业贷款利率低很多,后期归还的负担轻。不过使用公积金贷款购房需要满足一定的条件,比如申请贷款前 6 个月应足额连续缴存住房公积金。

The biggest function of the provident fund is to use it to buy a house. After all, when using the provident fund to buy a house, the loan interest rate is much lower than the commercial loan interest rate, and the later repayment burden is light. However, the use of provident fund loans to buy a house needs to meet certain conditions, such as six months before applying for loans should be paid in full housing provident fund.

用户使用公积金办理贷款后必须按时还款,不能出现逾期的情况,因为逾期后会产生罚息,时间越长罚息越多。而且逾期后银行会催收,同时逾期记录会被上传至征信中心,导致个人征信变不良,影响后续各种贷款申请。

Users must repay the loan on time after using the provident fund. They can’t be overdue because there will be penalty interest after overdue. The longer the time, the more the penalty interest. Moreover, after overdue, the bank will collect the overdue records, and the overdue records will be uploaded to the credit reference center, resulting in bad personal credit information and affecting subsequent loan applications.

公积金是指国家机关和事业单位、国有企业、城镇集体企业、外商投资企业、城镇私营企业及其他城镇企业和事业单位、民办非企业单位、社会团体及其在职职工,对等缴存的长期住房储蓄。

Provident fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non enterprise units, social organizations and their employees.


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