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[购房] 买房更优惠,公积金买房省下一大笔钱!提取手续更便捷! ...

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发表于 2018-1-11 20:20:53 | 显示全部楼层 |阅读模式
很多购房者是不是都曾经遭遇过这样的尴尬:明明有公积金,可以办理低利率贷款,但是楼盘开发商为了回款快,就是不让你用!现在,针对这一现象,住房城乡建设部、财政部、中国人民银行、国土资源部近日联合发布《通知》,明确开发商不得限制、阻挠、拒绝购房人使用住房公积金贷款。


也就是说,如果你有公积金,那么在买房过程中,可以给你省下几十万!


并且为了让好政策真正充分落实。《通知》还专门出台细则:对违规情节严重、拒不整改的,要公开曝光,同时纳入企业征信系统,依法严肃处理。
近日,住房城乡建设部、财政部、中国人民银行、国土资源部四部门发布《关于维护住房公积金缴存职工购房贷款权益的通知》,对使用公积金贷款购房者是政策利好,有利于他们降低购房成本。
给您算笔账:按照现行有关规定,职工连续、足额缴存住房公积金6个月(含)以上,即可向住房公积金管理中心申请个人住房贷款。
如,贷100万元、期限20年,可比现行的商贷节省利息支出20万元以上。


笔者认为:投资如战场!股市就是有经验的人获得更多金钱,有金钱的人获得更多经验的地方。不知道大家知不知道,买房也和买股一样,讲究技巧和方法,跟随笔者的朋友都赚到不少,本人炒股16年,擅长挑选线强势股,把握高抛低吸波段操作,在不同的行情都能保证稳定获利!我用了十年总结了一套涨停复制选股法,准确率高达九十三以上,有些跟着我的已经赚到了,如果你不会,到macd9987无偿领取,记得是威xin,期待你的到来,机会只留给有准备的人,相信我的实力。
目前住房公积金个人住房贷款利率为3.25%,远低于商业银行房贷的基准利率4.9%。而经历一年多的楼市收紧,大部分城市的购房商贷利率均没有折扣优惠,部分甚至进行了上调。对于热点城市人来说,公积金贷款可大大减轻买房负担。


以北京为例,目前首套房主流商贷利率执行基准利率的1.1倍,以公积金贷款上限120万计算,公积金贷款与首套房25年期限的商业贷款相比,月供可节省1442元,贷款25年可减少利息支出43.28万元。
碰到开发商拒绝公积金贷款咋办?


《通知》明确,缴存职工可通过12345市民热线、12329住房公积金服务热线等渠道,投诉举报房地产开发企业和房屋销售中介机构拒绝住房公积金贷款问题。
四部门要求,各地联合开展拒绝职工使用住房公积金贷款购房问题专项整治行动。
对限制、阻挠、拒绝职工使用住房公积金贷款购房的房地产开发企业和销售中介机构,要责令整改。对违规情节严重、拒不整改的,要公开曝光,同时纳入企业征信系统,依法严肃处理。


好啦,赶紧将这个好消息转发出去吧!让更多的人知道这一政策,买房更省钱!如果你们在购房过程中遇到任何问题,也欢迎来留言讨论!

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发表于 2018-1-13 16:19:29 | 显示全部楼层
我也顶起出售广告位
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发表于 2018-1-20 09:55:28 | 显示全部楼层
看起来好像不错的样子
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