注意！即日起有变！事关公积金！
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.fqlook.com/static/publish/css/style.css?v=1605251010499" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=1605251010499"><!-- 付费贴--> <div class="preview_article "> <!----> <p>记者今日获悉</p><p>即日起</p><p>在前期已开通</p><p>“逐月冲还贷”业务基础上</p><p>省直公积金中心</p><p>实现冲还贷业务再升级</p><p>推出“逐月冲还贷+按年冲本金”业务</p><p> </p><p>已办理省直住房公积金（组合）贷款的缴存职工，在开通“逐月冲还贷”业务后，如住房公积金账户每月冲抵后仍有余额的，每年度可自行选择一个月份，将余额直接冲还住房公积金贷款本金。</p><p> </p><p>住房公积金账户余额不再闲置</p><p> </p><p>“逐月冲还贷+按年冲本金”业务的推出</p><p>让住房公积金账户余额不再闲置</p><p>缴存职工可最大限度</p><p>使用住房公积金账户余额</p><p>减少贷款利息支出</p><p>减轻家庭每月还贷压力</p><p> </p><p>以单职工冲还贷为例</p><p> </p><p>缴存职工林女士，公积金月缴存额3000元，于2023年2月偿还第一期公积金贷款本息1000元后办理逐月冲还贷业务，每月公积金账户均有闲置。</p><p>假设，2023年8月王女士发现其公积金账户余额已达1.6万元（超过最低还款金额1万元），即线上办理“逐月冲还贷+按年冲本金”业务，直接用公积金账户余额偿还公积金贷款本金1.6万元，月还款额相应降低为900元。</p><p>2024年12月，林女士在公积金账户闲置余额达到3万时，再次线上办理“逐月冲还贷+按年冲本金”业务，直接用公积金账户余额偿还公积金贷款本金3万元。</p><p>依次类推，贷款期限内林女士可根据公积金账户余额闲置情况，每年度自主选择任一个月份办理一次“逐月冲还贷+按年冲本金”业务。</p><p> </p><p>以双职工冲还贷为例</p><p> </p><p>缴存职工王先生月缴存额3000元，配偶李女士月缴存额2000元，2019年王先生夫妇在省直公积金中心办理纯公积金贷款每月还款额3000元。</p><p> </p><p>王先生夫妇办理了逐月冲还贷业务，由于王先生每月公积金均可足额冲还当每月还款额，公积金账户无闲置余额，2023年2月李女士公积金账户闲置余额8万元。李女士线上办理“逐月冲还贷+按年冲本金”业务，直接用公积金账户余额偿还公积金贷款本金8万元。</p><p> </p><p>在以后的贷款期限内，夫妻双方任一方或双方均可根据公积金账户余额闲置情况，每年度自主选择任一个月份办理一次“逐月冲还贷+按年冲本金”业务，从而最大限度使用住房公积金账户金额，减少利息支出，减轻家庭还贷负担。</p><p> </p><p>具体操作</p><p> “逐月冲还贷+按年冲本金”业务</p><p>可通过省直公积金中心微信公众号、</p><p>网上服务大厅等线上渠道办理零</p><p>材料，免跑腿</p><p>只要轻松点一点</p><p>即可全程网上办</p><p> </p><p>一微信公众号操作流程</p><p> </p><p>未注册用户首次登录：“福建省直单位住房公积金管理中心”微信公众号—办事大厅—用户注册—注册成功</p><p> </p><p>已注册用户登录：“福建省直单位住房公积金管理中心”微信公众号—办事大厅—提取受理—偿还住房公积金贷款本金提取（办理成功后可在“提取进度”里查询结果及详细信息）</p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pic.app.fqlook.com/forum/20230222182150front1_0_155891_FtXQljxKwPqqsRgZBk0lTnXz6GhF.jpg?watermark/3/image/aHR0cHM6Ly9waWMuYXBwLmZxbG9vay5jb20vYWRtaW5fRnYyNzVpbW1Hd0xnX0dTQ29mTWFoR3VkOHBiRC5wbmc=/dissolve/100/gravity/South/dx/10/dy/65/text/QOaZtOWkqTc4MA==/fontsize/400/dissolve/100/gravity/South/fill/I2E4YThhOA==/font/5b6u6L2v6ZuF6buR/dx/10/dy/35" alt="" width="1080" height="2310" data-qf-origin="forum/20230222182150front1_0_155891_FtXQljxKwPqqsRgZBk0lTnXz6GhF.jpg?watermark/3/image/aHR0cHM6Ly9waWMuYXBwLmZxbG9vay5jb20vYWRtaW5fRnYyNzVpbW1Hd0xnX0dTQ29mTWFoR3VkOHBiRC5wbmc=/dissolve/100/gravity/South/dx/10/dy/65/text/QOaZtOWkqTc4MA==/fontsize/400/dissolve/100/gravity/South/fill/I2E4YThhOA==/font/5b6u6L2v6ZuF6buR/dx/10/dy/35" /></p><p class="empty_paragraph"> </p><p class="qf_image big noneditable" contenteditable="false"><img 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src="https://pic.app.fqlook.com/forum/20230222182151front1_0_155891_Fn4eW_VR760QM4OLDCzJosSq30gf.jpg?watermark/3/image/aHR0cHM6Ly9waWMuYXBwLmZxbG9vay5jb20vYWRtaW5fRnYyNzVpbW1Hd0xnX0dTQ29mTWFoR3VkOHBiRC5wbmc=/dissolve/100/gravity/South/dx/10/dy/65/text/QOaZtOWkqTc4MA==/fontsize/400/dissolve/100/gravity/South/fill/I2E4YThhOA==/font/5b6u6L2v6ZuF6buR/dx/10/dy/35" alt="" width="1080" height="2310" data-qf-origin="forum/20230222182151front1_0_155891_Fn4eW_VR760QM4OLDCzJosSq30gf.jpg?watermark/3/image/aHR0cHM6Ly9waWMuYXBwLmZxbG9vay5jb20vYWRtaW5fRnYyNzVpbW1Hd0xnX0dTQ29mTWFoR3VkOHBiRC5wbmc=/dissolve/100/gravity/South/dx/10/dy/65/text/QOaZtOWkqTc4MA==/fontsize/400/dissolve/100/gravity/South/fill/I2E4YThhOA==/font/5b6u6L2v6ZuF6buR/dx/10/dy/35" /></p><p>二网上服务大厅操作流程</p><p>福建省住房公积金网上办事大厅—个人业务办理—提取受理—偿还住房公积金贷款本金提取</p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pic.app.fqlook.com/forum/20230222182219front1_0_155891_Fgci6ru3QyWe8PnLg7sXvn1Ts_g7.jpg?watermark/3/image/aHR0cHM6Ly9waWMuYXBwLmZxbG9vay5jb20vYWRtaW5fRnYyNzVpbW1Hd0xnX0dTQ29mTWFoR3VkOHBiRC5wbmc=/dissolve/100/gravity/South/dx/10/dy/65/text/QOaZtOWkqTc4MA==/fontsize/400/dissolve/100/gravity/South/fill/I2E4YThhOA==/font/5b6u6L2v6ZuF6buR/dx/10/dy/35" alt="" width="1080" height="551" data-qf-origin="forum/20230222182219front1_0_155891_Fgci6ru3QyWe8PnLg7sXvn1Ts_g7.jpg?watermark/3/image/aHR0cHM6Ly9waWMuYXBwLmZxbG9vay5jb20vYWRtaW5fRnYyNzVpbW1Hd0xnX0dTQ29mTWFoR3VkOHBiRC5wbmc=/dissolve/100/gravity/South/dx/10/dy/65/text/QOaZtOWkqTc4MA==/fontsize/400/dissolve/100/gravity/South/fill/I2E4YThhOA==/font/5b6u6L2v6ZuF6buR/dx/10/dy/35" /></p><p class="empty_paragraph"> </p><p class="qf_image big noneditable" contenteditable="false"><img 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src="https://pic.app.fqlook.com/forum/20230222182219front1_0_155891_Fg2VMLdKse-hqJ6dnsgnk7ipwD3K.jpg?watermark/3/image/aHR0cHM6Ly9waWMuYXBwLmZxbG9vay5jb20vYWRtaW5fRnYyNzVpbW1Hd0xnX0dTQ29mTWFoR3VkOHBiRC5wbmc=/dissolve/100/gravity/South/dx/10/dy/65/text/QOaZtOWkqTc4MA==/fontsize/400/dissolve/100/gravity/South/fill/I2E4YThhOA==/font/5b6u6L2v6ZuF6buR/dx/10/dy/35" alt="" width="1080" height="566" data-qf-origin="forum/20230222182219front1_0_155891_Fg2VMLdKse-hqJ6dnsgnk7ipwD3K.jpg?watermark/3/image/aHR0cHM6Ly9waWMuYXBwLmZxbG9vay5jb20vYWRtaW5fRnYyNzVpbW1Hd0xnX0dTQ29mTWFoR3VkOHBiRC5wbmc=/dissolve/100/gravity/South/dx/10/dy/65/text/QOaZtOWkqTc4MA==/fontsize/400/dissolve/100/gravity/South/fill/I2E4YThhOA==/font/5b6u6L2v6ZuF6buR/dx/10/dy/35" /></p><p class="empty_paragraph"> </p><p class="qf_image big noneditable" contenteditable="false"><img src="https://pic.app.fqlook.com/forum/20230222182220front1_0_155891_FoVduhw06qoLhEXLk8V6TF5dPl9l.jpg?watermark/3/image/aHR0cHM6Ly9waWMuYXBwLmZxbG9vay5jb20vYWRtaW5fRnYyNzVpbW1Hd0xnX0dTQ29mTWFoR3VkOHBiRC5wbmc=/dissolve/100/gravity/South/dx/10/dy/65/text/QOaZtOWkqTc4MA==/fontsize/400/dissolve/100/gravity/South/fill/I2E4YThhOA==/font/5b6u6L2v6ZuF6buR/dx/10/dy/35" alt="" width="1080" height="736" data-qf-origin="forum/20230222182220front1_0_155891_FoVduhw06qoLhEXLk8V6TF5dPl9l.jpg?watermark/3/image/aHR0cHM6Ly9waWMuYXBwLmZxbG9vay5jb20vYWRtaW5fRnYyNzVpbW1Hd0xnX0dTQ29mTWFoR3VkOHBiRC5wbmc=/dissolve/100/gravity/South/dx/10/dy/65/text/QOaZtOWkqTc4MA==/fontsize/400/dissolve/100/gravity/South/fill/I2E4YThhOA==/font/5b6u6L2v6ZuF6buR/dx/10/dy/35" /></p><p>需要注意的是</p><p> </p><p>1关于“适用范围” </p><p>“逐月冲还贷+按年冲本金”业务适用于省直纯公积金贷款和组合贷款中的公积金贷款部分。</p><p>跨中心公积金贷款、组合贷款中的商业贷款部分以及纯商业贷款，暂不能办理该业务。</p><p> </p><p>2关于“提前还款”</p><p>办理“逐月冲还贷+按年冲本金”业务中所涉及的提前还款，最低还款金额1万元，无需支付违约金。</p><p> </p><p>3关于“住房补贴账户”</p><p>职工办理“逐月冲还贷+按年冲本金”业务时，如同时有住房公积金和住房补贴账户的，先冲抵补贴账户余额，再冲抵公积金账户余额。</p><p> </p><p>4关于“办理时间”</p><p>职工每年度仅可办理一次“逐月冲还贷+按年冲本金”业务，办理月份可自行选择。</p><p> </p><p>5关注“账户余额”</p><p>办理“逐月冲还贷+按年冲本金”业务的职工在公积金账户余额一次性冲还本金后，请及时关注贷款还款银行卡上的账户余额，是否能够足额偿还后续贷款本息。</p><p> </p><p> </p><p>来源：福州晚报</p> <!----></div> 有公积金的小伙伴有福啦 可惜我每个月只有两百公积金不够买房 唉！雨女无瓜{:5_269:} 住房公积金账户余额不再闲置 有公积金的人有福了 有公积金的小伙伴有福啦 有公积金的有福啦{:5_259:}{:5_259:} “逐月冲还贷+按年冲本金”业务适用于省直纯公积金贷款和组合贷款中的公积金贷款部分。 {:5_251:}{:5_251:}{:5_251:} 买药的钱又缩水了
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