转扩！曲靖市住房公积金提取、个人住房贷款管理办法公布
<p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;font-family: Microsoft YaHei;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;font-size: 20px;">曲靖市住房公积金提取管理办法</span></strong></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;font-family: Microsoft YaHei;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第一章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">总 则</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第一条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 为加强住房公积金提取管理，规范提取使用住房公积金行为，根据《住房公积金管理条例》《住房公积金提取业务标准》等国家有关规定，结合曲靖实际，制定本办法。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 本办法适用于曲靖市行政区域内住房公积金提取的管理。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">住房公积金提取（以下简称“提取”）是指符合提取政策的缴存职工依规提取本人住房公积金账户内的存储余额。</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第三条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 住房公积金提取管理遵循公开透明、依法合规、安全高效的原则。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第四条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 曲靖市住房公积金管理中心（以下简称“公积金中心”）负责全市提取业务的管理监督。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">市住房公积金管理中心下设的分中心（管理部）负责承办具体提取业务。</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;font-family: Microsoft YaHei;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第二章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">提取范围</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第五条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 缴存职工有下列情形之一的，可申请提取账户内存储余额。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">（一）住房消费提取</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">1.无房职工租房自住的；</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">2.购买、建造、翻建、大修自住住房的；</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">3.偿还购房贷款本息的；</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">4.老旧小区自住住房改造加装电梯的。</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">（二）非住房消费提取</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">1.离休、退休的；</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">2.完全丧失劳动能力，并与单位终止劳动关系的；</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">3.与单位解除或终止劳动关系的；</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">4.出境定居的；</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">5.灵活就业人员申请销户的；</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">6.死亡或者被宣告死亡的（由职工的合法继承人或者受遗赠人提出申请）。</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 218, 169);">（三）国家和省、市规定的其他情形。</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;font-family: Microsoft YaHei;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第三章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">提取条件及额度</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第六条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 自住住房是指职工居住其内且对该房屋拥有所有权的住房。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第七条 </span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">职工本人及配偶在缴存地无自有产权住房且租房自住申请提取的，应连续足额缴存住房公积金满3个月。一个自然年度内提取总额不得超过当年规定的限额标准。公积金中心可根据住房租赁价格水平变化情况，适时调整租房提取限额标准。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第八条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 职工购买、建造、翻建、大修自住住房申请提取的，同一住房累计提取总额不超过实际支付费用。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第九条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 职工偿还购房贷款本息的，职工本人及配偶可申请提取。同一笔购房贷款累计提取总额不超过贷款本息。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 县级以上城市规划区范围内，具有合法权属证明的老旧小区改造加装电梯，可提取支付每户分摊的电梯加装费用。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十一条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 职工有下列情形之一的，可以提取账户内全部金额，同时注销个人账户：</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（一）离休、退休的；</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（二）完全丧失劳动能力，并与单位终止劳动关系的；</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（</span>三<span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">）与单位解除或终止劳动关系，未在异地继续缴存，账户封存满半年的；</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（</span>四<span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">）出境定居的；</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（五）灵活就业人员申请销户的；</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（六）职工死亡或者被宣告死亡的。</span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十二条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 国家和省、市规定的其他可提取住房公积金情形，按照相关规定执行。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十三条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 在职工无未结清公积金贷款的情况下，公积金中心应当协助人民法院执行职工个人住房公积金账户资金。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十四条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 职工符合多项提取条件的，同一时间段内仅可选择办理一项提取业务。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;font-family: Microsoft YaHei;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第四章</span> </span><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;"> 提取程序</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十五条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 公积金中心应在1个工作日内办结符合规定条件的提取申请；经审核不准予提取的，应及时告知原因；对提取情形真实性存疑，需进一步调查核实的，应于3个工作日内完成审核并通知职工。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十六条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 公积金中心应积极推进提取业务全程网办，统一线上线下业务标准。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;font-family: Microsoft YaHei;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第五章</span> </span><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;"> 监督管理</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十七条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 任何单位、组织或个人不得有偿从事“代办公积金”“代提公积金”等业务。公积金中心协调相关部门开展清理和治理，对违规的单位、组织或者个人依法予以查处。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十八条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 职工以欺骗手段违规提取的，公积金中心应责令职工限期退回所提款额，按公积金中心信用管理相关制度处理，并向职工所在单位通报情况。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十九条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 对涉嫌伪造及使用虚假证明材料的组织和个人，公积金中心应当及时向公安部门移交问题线索，由司法机关依法处理。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 公积金中心应加强对工作人员的管理，对办理提取业务疏于职守或者协助违规提取的，应依法依规严肃处理，构成犯罪的，依法移送司法机关。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;font-family: Microsoft YaHei;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;font-family: Microsoft YaHei;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第六章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">附</span></span><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;"> 则</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十一条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 灵活就业人员、持有《外国人永久居留证》的外国人和港、澳、台在曲工作人员提取住房公积金，按照本办法执行。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十二条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 本办法由公积金中心负责解释，具体实施细则由公积金中心制定，并向社会公布。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十三条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 本办法自2024年</span>7<span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">月</span>1<span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">日起实施，2019年5月出台的《曲靖市住房公积金提取管理办法》（曲住管规〔2019〕1号）自行失效。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><br/></span></p><h1 style="margin-bottom: 14px;outline: 0px;font-size: 22px;line-height: 1.4;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-align: center;text-wrap: wrap;background-color: rgb(255, 255, 255);"><br/></h1><h1 style="margin-bottom: 14px;outline: 0px;font-size: 22px;line-height: 1.4;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-align: center;text-wrap: wrap;background-color: rgb(255, 255, 255);"><span style="font-size: 20px;"><strong>曲靖市住房公积金个人住房贷款管理办法</strong></span></h1><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;line-height: 36px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第一章</span><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">总 则</span><br style="outline: 0px;"/></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第一条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 为进一步规范住房公积金贷款管理，持续支持职工刚性和改善性住房需求，发挥住房公积金的促进和保障作用，根据《中华人民共和国民法典》《住房公积金管理条例》《住房公积金个人住房贷款业务规范》（GB/T51267-2017）等规定，结合曲靖实际，制定本办法。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 本办法适用曲靖市行政区域内住房公积金个人住房贷款的管理。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第三条 </span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></span><span style="height: 30px;line-height: 30px;font-family: Times New Roman;outline: 0px;background-color: rgb(255, 169, 0);">住房公积金个人住房贷款（以下简称“贷款”）是指住房公积金管理中心使用住房公积金资金，向符合条件的缴存人发放的，用于购买、建造、翻建、大修本人自住住房的贷款。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">贷款业务类型包括新购商品房贷款、再交易（二手房）住房贷款、“公积金贷款+商业性个人住房贷款”组合贷款（以下简称“组合贷款”）、个人商业性住房贷款转住房公积金个人住房贷款（以下简称“商转公贷款”）、异地贷款、带押过户贷款等。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第四条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 贷款办理遵循自愿、公平、诚实、信用的原则。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第五条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 曲靖市住房公积金管理中心（以下简称“公积金中心”）负责本行政区域内贷款业务的管理，防范和查处违规骗贷行为。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">公积金中心下设的管理部（分中心）负责承办具体贷款业务。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第六条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 贷款业务的有关各方。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">贷款人：公积金中心。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">受托贷款银行：接受公积金中心委托，负责办理贷款资金发放、回收的商业银行。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">组合贷款银行：与公积金中心签订业务合作协议，开展组合贷款的商业银行。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">借款人、共同借款人：申请并获得贷款资金，承担还款义务的缴存人及其配偶。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">共同还款人：特定情况下（借款人死亡、依法被宣告失踪或者被宣告死亡、丧失民事行为能力或因其他情况不能正常履行还款义务时），其他第三人可追加为共同还款人。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">抵押人：为贷款提供抵押担保的借款人或第三人。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">抵押权人：公积金中心或开展组合贷款的商业银行。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">保证人：经公积金中心认可，为贷款提供保证担保的第三人或机构。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第二章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">贷款条件</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第七条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 借款人应具备以下条件：</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（一）具有合法有效身份。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（二）具有完全民事行为能力。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（三）有稳定的职业收入，信用状况良好，具备偿还贷款本息的能力。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（四）个人住房公积金账户开设满6个月以上，连续缴存达到规定期限，缴存状态正常。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（五）本人及配偶住房公积金贷款次数符合住房公积金监管部门相关规定，在全国范围内没有未结清的住房公积金贷款。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（六）购买、建造、翻建、大修住房套数及首付款支付比例符合国家政策及相关规定。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（七）借款人应为购买、建造、翻建、大修房屋的房屋所有权人之一。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（八）提供公积金中心认可的担保。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第三章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">贷款金额、期限、利率</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第八条 </span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 贷款金额</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（一）不高于曲靖市住房公积金管理委员会确定的最高贷款额度，夫妻参缴的，最高额度100万元；一方参缴的，最高额度70万元。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（二）生育至少有1个未成年子女的二孩及以上多子女家庭，购买首套自住住房申请贷款的，二孩家庭最高贷款额度上浮20%（双缴最高120万元，单缴最高84万元）；三孩及以上多子女家庭最高贷款额度上浮30%（双缴最高130万元，单缴最高91万元）。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（三）商转公贷款额度，不超过申请贷款时商业贷款余额减去2个月商业贷款还款额。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（四）贷款额度不超过购、建房款的80%。公积金中心可根据曲靖市房屋建筑成本变化情况，适时调整自建房屋价值标准。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（五）贷款额度不超过抵押物价值的80%，抵押物为商铺（含商住）的，不超过50%。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（六）自然人担保贷款额度上限30万元。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（七）贷款额度不超过借款期限内借款人（含共同借款人）总收入的60%。总收入根据申请贷款当月借款人（含共同借款人）公积金缴存基数确定，异地缴存职工缴存基数以《异地缴存证明》认定。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;background-color: rgb(255, 169, 0);">（八）借款人（含共同借款人）在其他商业银行有贷款余额的，贷款额度不超过贷款期限内夫妻双方住房公积金缴存额（以申请贷款当月确定）的1.2倍。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第九条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 贷款期限</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">贷款期限以借款人在国家规定的退休年龄延长5年计算，以夫妻双方先退休一方确定，最长不超过30年，最短不低于1年，且不高于抵押物剩余使用年限；自然人担保贷款期限不超过10年。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 贷款利率</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（一）贷款利率按照国家有关规定执行。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（二）贷款期限1年的，执行合同利率，遇法定利率调整，不分段计息。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（三）贷款期限1年以上的，遇法定利率调整，于次年1月1日起，按相应的利率档次执行新的利率。 </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第四章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">贷款程序</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十一条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 贷款程序</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（一）借款人提出申请。其中</span>，<span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">组合贷款、商转公贷款和部分带押过户贷款向相应商业银行提交申请，其他贷款业务均向公积金中心提交申请。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（二）公积金中心应于1个工作日内做出准予贷款或不予贷款的答复。对贷款材料需进一步核实的，应于3个工作日内完成审核并通知借款人。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（三）公积金中心或组合贷款银行与借款人签订借款合同，办理抵押、担保等手续。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（四）公积金中心向借款人发放贷款，贷款资金通过转账方式划转到借款合同中约定的售房方或承建方收款账户。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> （五）组合贷款中商业银行贷款部分的申请材料、审批时限等按照相应银行的规定执行。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><br style="outline: 0px;"/></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第五章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">贷款担保</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></strong></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十二条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 贷款担保方式有：保证、抵押、保证加抵押等，由借款人根据自身情况确定。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（一）采取保证担保的，可提供第三自然人保证或者全程置业担保公司保证。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（二）采取抵押担保的，可用所购房屋进行抵押，也可提供曲靖市范围内其他不动产抵押。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（三）采取保证加抵押担保的，借款人所购房屋应为住房公积金按揭贷款合作项目房源，房地产开发企业提供的保证为阶段性连带责任保证，借款人还清全部借款本息或所购住房完成不动产抵押登记之日起，房地产开发企业阶段性保证担保责任解除。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十三条 </span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 组合贷款的担保应采取同一种担保方式，设定同一抵押物。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第六章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">贷款偿还与回收</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十四条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 借款人可选用以下方式之一偿还贷款本息。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（一）等额本息方式。每月偿还同等数额的贷款本息。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（二）等额本金方式。每月偿还均等的贷款本金，利息逐月递减。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">（三）利随本清方式。仅限1年期的贷款，到期一次性还本付息。</span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十五条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 借款人未按照借款合同约定的期限、额度偿还贷款本息的，按照中国人民银行的有关规定对逾期部分计收罚息。经借款人授权，借款人贷款、还款等情况纳入人民银行征信系统管理。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十六条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 贷款满1个月后方可办理提前还款。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十七条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 贷款回收。原则上采取委托代扣的方式回收贷款本息，以先罚息、再利息、后本金的顺序扣划。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十八条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 借款人按借款合同约定授权公积金中心按月扣划其住房公积金账户资金转账偿还公积金贷款本息，且该授权在贷款偿还期间未经公积金中心同意不可撤销。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第七章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">借款合同</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第十九条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 借款合同根据《中华人民共和国民法典（合同篇）》和有关法律法规制定。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 借款合同的内容包括：借款种类、借款金额、利率、期限、用途、担保方式、还款方式、合同的变更和解除、违约责任等事项。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十一条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 借款合同签订后，各方必须认真履行，不得擅自变更或解除。借款合同变更或解除应当依法并经各方当事人协商一致后进行。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十二条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 借款人偿还全部贷款本息后，借款合同各方权利义务终止，担保权利义务随之终止，担保当事人应当办理解除抵押或权利凭证返还手续。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第八章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">法律责任</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></strong></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十三条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 公积金中心及受托机构工作人员不按照本办法规定办理贷款造成工作失误的，由所在单位负责并限期纠正，构成犯罪的，依法追究刑事责任。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十四条 </span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 借款人采取欺骗手段获得贷款的，向职工所在单位通报情况，宣布贷款提前到期，偿还全部借款本息并解除借款合同，5年内不得办理住房公积金提取和贷款，并依法追究其法律责任。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十五条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 住房公积金各分中心、管理部负责对本辖区内住房公积金按揭贷款项目建设进度按月回访跟踪管理，按季分析研判项目风险隐患、合作协议履行等情况。工作人员未按规定进行调查审验、贷后跟踪以及出现徇私舞弊、隐瞒真相、编造数据等行为的，依法追究相应责任。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: center;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">第九章</span> <span style="outline: 0px;height: 30px;line-height: 30px;font-family: 黑体;">附 则</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 27px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> </span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十六条 </span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">灵活就业人员、异地缴存职工、持有《外国人永久居留证》的外国人和港、澳、台在曲工作人员申请贷款的，参照本办法执行。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十七条 </span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 本办法由公积金中心负责解释，具体实施细则由公积金中心制定，并向社会公布。</span></span></p><p style="margin-bottom: 0px;outline: 0px;text-wrap: wrap;background-color: rgb(255, 255, 255);list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;color: rgb(51, 51, 51);font-family: Microsoft YaHei;font-size: 16px;letter-spacing: normal;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;"><strong style="outline: 0px;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">第二十八条</span></strong><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"> 本办法自2024年</span>7<span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">月</span>1<span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;">日起实施，2019年5月制定的《曲靖市住房公积金个人住房贷款管理办法》（曲住管规〔2019〕2号）自行失效。</span></span></p><p style="margin-bottom: 0px;color: rgb(51, 51, 51);font-size: 16px;letter-spacing: normal;text-wrap: wrap;background-color: rgb(255, 255, 255);outline: 0px;list-style-type: none;border-width: 0px;border-style: initial;border-color: initial;vertical-align: middle;quotes: none;text-align: left;font-family: Microsoft YaHei;text-indent: 43px;line-height: 40px;background-image: none !important;background-position: initial !important;background-size: initial !important;background-repeat: initial !important;background-attachment: initial !important;background-origin: initial !important;background-clip: initial !important;"><span style="outline: 0px;height: 30px;line-height: 30px;font-family: Times New Roman;"><br/></span></p><p style="margin-bottom: 0px;text-wrap: wrap;outline: 0px;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;background-color: rgb(255, 255, 255);text-align: right;color: rgb(51, 51, 51);font-size: 16px;word-break: break-all;"><span style="color: rgb(136, 136, 136);font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 12px;letter-spacing: 0.544px;text-indent: 2em;"><br/></span></p><p style="margin-bottom: 0px;text-wrap: wrap;outline: 0px;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;background-color: rgb(255, 255, 255);text-align: right;color: rgb(51, 51, 51);font-size: 16px;word-break: break-all;"><span style="color: rgb(136, 136, 136);font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 12px;letter-spacing: 0.544px;text-indent: 2em;">来源丨曲靖市住房公积金管理中心</span></p><p style="margin-bottom: 0px;text-wrap: wrap;outline: 0px;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;background-color: rgb(255, 255, 255);text-align: right;color: rgb(51, 51, 51);font-size: 16px;word-break: break-all;"><span style="color: rgb(136, 136, 136);font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 12px;letter-spacing: 0.544px;text-indent: 2em;">编辑丨尹婷</span></p><p style="display: none;"><mp-style-type data-value="3"></mp-style-type></p><p style="color:#999;font-size:.8em;margin-top:1em">转载声明：本文转载自微信公众平台 《转扩！曲靖市住房公积金提取、个人住房贷款管理办法公布》</p><p><br/></p><link rel="stylesheet" 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