今起施行！福州公积金政策调整！
<section><p style="text-align: center;"><span style="color: rgb(51, 51, 51); font-family: 微软雅黑, Microsoft YaHei; letter-spacing: 1px; font-size: 16px;">日前<br/></span></p></section><p><br/></p><section style="text-align: center;font-size: 17px;line-height: 1.8;"><section data-role="outer" label="edit by 135editor" style="letter-spacing: 0.578px;"><section data-role="outer" label="edit by 135editor" style="letter-spacing: 1px;line-height: 1.75;"><section data-role="outer" label="edit by 135editor" style="line-height: 1.75;"><section data-role="outer" label="edit by 135editor" style="line-height: 1.75;"><section data-role="outer" label="edit by 135editor" style="line-height: 1.75;"><p style="line-height: 1.75em;"><span style="color: rgb(51, 51, 51); text-shadow: none; font-family: 微软雅黑, Microsoft YaHei; font-size: 16px;">福州住房公积金管理委员会印发</span></p><p style="line-height: 1.75em;"><span style="color: rgb(255, 0, 0); font-size: 16px;"><strong><span style="color: rgb(255, 0, 0); font-size: 16px; text-shadow: none; font-family: 微软雅黑, Microsoft YaHei;">《关于进一步规范<br/></span><span style="color: rgb(255, 0, 0); font-size: 16px; font-family: 微软雅黑, Microsoft YaHei;">住房公积金管理工作的通知》</span></strong></span></p><p style="margin-bottom: 0px; color: rgb(62, 62, 62); letter-spacing: 0.578px;"><span style="font-size: 16px;">（以下简称《通知》）</span></p><p style="margin-bottom: 0px; color: rgb(62, 62, 62); letter-spacing: 0.578px;"><span style="font-size: 16px;">对现有住房公积金政策</span></p><p style="margin-bottom: 0px; color: rgb(62, 62, 62); letter-spacing: 0.578px;"><span style="font-size: 16px;">进行了优化调整</span></p><p style="margin-bottom: 0px; color: rgb(62, 62, 62); letter-spacing: 0.578px;"><br/></p><p style="line-height: 1.75em;"><span style="color: rgb(51, 51, 51); text-shadow: none; font-family: 微软雅黑, Microsoft YaHei; font-size: 16px;"><strong>通知自2025年4月10日起施行</strong></span></p><p style="line-height: 1.75em;"><span style="color: rgb(51, 51, 51); text-shadow: none; font-family: 微软雅黑, Microsoft YaHei; font-size: 16px;"><strong>有效期2年</strong></span></p></section></section></section></section></section><p style="margin-bottom: 0px;letter-spacing: 1px;"><br/></p><p style="margin-bottom: 0px; letter-spacing: 1px;"><a target="_blank" href="https://zfgjj.fuzhou.gov.cn/zwgk/zcfg/202504/t20250409_5001814.htm" textvalue="你已选中了添加链接的内容" linktype="text" imgurl="" tab="outerlink" data-linktype="1" style="font-size: 16px; text-decoration: underline;"><span style="font-size: 16px;"></span></a></p></section><p><br/></p><p><br/></p><p><br/></p><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;line-height: 0;"><section style="vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section><p style="text-align: center;"><span style="color: rgb(223, 58, 35); font-size: 16px;"><strong>福州新举措</strong></span></p><p style="text-align: center;"><span style="color: rgb(223, 58, 35); font-size: 16px;"><strong>进一步规范住房公积金管理</strong></span></p><p><br/></p></section><section style="text-align: center;"><p><span style="font-size: 16px;">▼▼▼</span></p></section><section style="text-align: center;line-height: 1.8;padding-right: 10px;padding-left: 10px;font-size: 18px;color: rgb(255, 255, 255);"><p><span style="font-size: 16px;"><strong><span style="font-size: 16px; color: rgb(39, 88, 202);"> 关于缴存管理事项</span></strong></span></p></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);min-width: 5%;height: auto;padding-left: 13px;"><section style="margin-top: 5px;"><section style="text-align: justify;color: rgb(255, 255, 255);"><p><span style="font-size: 16px;"><strong>允许困难企业降低缴存比例</strong></span></p></section></section></section><section style="display: inline-block;vertical-align: top;width: 23px;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);overflow: hidden;height: auto;"><section style="text-align: justify;"><p><br/></p></section></section><section style="display: inline-block;vertical-align: top;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: stretch;overflow: hidden;padding-right: 7px;padding-left: 22px;margin-left: -20px;"><section style="transform: rotateZ(338deg);"><section style="text-align: center;margin-top: -10px;margin-bottom: -3px;transform: translate3d(-6px, 0px, 0px);"><section style="display: inline-block;width: 10px;height: 49px;vertical-align: top;overflow: hidden;background-color: rgb(255, 207, 71);box-shadow: rgb(255, 255, 255) -7px 0px 0px 0px;"><section style="text-align: justify;"><p><br/></p></section></section></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgb(93, 142, 255); padding: 23px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;">困难企业符合以下2个条件的，可申请降低缴存比例至不低于1%（含），比例取整数。</span></p><p><br/></p><p><span style="font-size: 16px;">1.上年度在职职工月平均工资水平低于同一年度福建省企业职工基本养老保险缴费基数下限。</span></p><p><br/></p><p><span style="font-size: 16px;">2.经本企业职工大会或职工代表大会通过。</span></p><p><br/></p><p><span style="font-size: 16px;">困难企业每次申请降低缴存比例的期限最长为12个月，由各住房公积金管理机构进行审批。</span></p><p><br/></p><p><span style="font-size: 16px;">企业降低缴存比例到期后，应当恢复至正常缴存比例，期间低于正常缴存比例的部分无需补缴。</span></p></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);min-width: 5%;height: auto;padding-left: 13px;"><section style="margin-top: 5px;"><section style="text-align: justify;color: rgb(255, 255, 255);"><p><span style="font-size: 16px;"><strong> 历史欠缴补缴比例</strong></span></p></section></section></section><section style="display: inline-block;vertical-align: top;width: 23px;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);overflow: hidden;height: auto;"><section style="text-align: justify;"><p><br/></p></section></section><section style="display: inline-block;vertical-align: top;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: stretch;overflow: hidden;padding-right: 7px;padding-left: 22px;margin-left: -20px;"><section style="transform: rotateZ(338deg);"><section style="text-align: center;margin-top: -10px;margin-bottom: -3px;transform: translate3d(-6px, 0px, 0px);"><section style="display: inline-block;width: 10px;height: 49px;vertical-align: top;overflow: hidden;background-color: rgb(255, 207, 71);box-shadow: rgb(255, 255, 255) -7px 0px 0px 0px;"><section style="text-align: justify;"><p><br/></p></section></section></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgb(93, 142, 255); padding: 23px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;">单位补缴职工以往年度住房公积金，经本单位职工大会或职工代表大会通过；或单位与职工协商一致的，可按不低于5%（含）缴存比例补缴。</span></p><p><br/></p><p><span style="font-size: 16px;">经批准降低缴存比例的困难企业，在批准期限内可按批准比例补缴。<br/></span></p></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);min-width: 5%;height: auto;padding-left: 13px;"><section style="margin-top: 5px;"><section style="text-align: justify;color: rgb(255, 255, 255);"><p><span style="font-size: 16px;"><strong> 异地转移接续</strong></span></p></section></section></section><section style="display: inline-block;vertical-align: top;width: 23px;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);overflow: hidden;height: auto;"><section style="text-align: justify;"><p><br/></p></section></section><section style="display: inline-block;vertical-align: top;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: stretch;overflow: hidden;padding-right: 7px;padding-left: 22px;margin-left: -20px;"><section style="transform: rotateZ(338deg);"><section style="text-align: center;margin-top: -10px;margin-bottom: -3px;transform: translate3d(-6px, 0px, 0px);"><section style="display: inline-block;width: 10px;height: 49px;vertical-align: top;overflow: hidden;background-color: rgb(255, 207, 71);box-shadow: rgb(255, 255, 255) -7px 0px 0px 0px;"><section style="text-align: justify;"><p><br/></p></section></section></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgb(93, 142, 255); padding: 23px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;">职工在公积金中心设立个人账户并正常缴存的，可申请将异地的个人住房公积金账户余额转入该账户。</span></p></section></section><section style="line-height: 1.8;padding-right: 10px;padding-left: 10px;"><p><br/></p><p style="text-align: center;"><span style="color: rgb(39, 88, 202); font-size: 16px;"><strong><span style="color: rgb(39, 88, 202); font-size: 18px;"> 关于提取管理事项</span></strong></span></p></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);min-width: 5%;height: auto;padding-left: 13px;"><section style="margin-top: 5px;"><section style="text-align: justify;color: rgb(255, 255, 255);"><p><span style="font-size: 16px;"><strong>放宽提取间隔</strong></span></p></section></section></section><section style="display: inline-block;vertical-align: top;width: 23px;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);overflow: hidden;height: auto;"><section style="text-align: justify;"><p><br/></p></section></section><section style="display: inline-block;vertical-align: top;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: stretch;overflow: hidden;padding-right: 7px;padding-left: 22px;margin-left: -20px;"><section style="transform: rotateZ(338deg);"><section style="text-align: center;margin-top: -10px;margin-bottom: -3px;transform: translate3d(-6px, 0px, 0px);"><section style="display: inline-block;width: 10px;height: 49px;vertical-align: top;overflow: hidden;background-color: rgb(255, 207, 71);box-shadow: rgb(255, 255, 255) -7px 0px 0px 0px;"><section style="text-align: justify;"><p><br/></p></section></section></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgb(93, 142, 255); padding: 23px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;">除销户类、提前结清贷款类提取外，职工每月可申请办理一次住房公积金提取业务。</span></p></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);min-width: 5%;height: auto;padding-left: 13px;"><section style="margin-top: 5px;"><section style="text-align: justify;color: rgb(255, 255, 255);"><p><span style="font-size: 16px;"><strong>偿还购房贷款本息提取</strong></span></p></section></section></section><section style="display: inline-block;vertical-align: top;width: 23px;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);overflow: hidden;height: auto;"><section style="text-align: justify;"><p><br/></p></section></section><section style="display: inline-block;vertical-align: top;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: stretch;overflow: hidden;padding-right: 7px;padding-left: 22px;margin-left: -20px;"><section style="transform: rotateZ(338deg);"><section style="text-align: center;margin-top: -10px;margin-bottom: -3px;transform: translate3d(-6px, 0px, 0px);"><section style="display: inline-block;width: 10px;height: 49px;vertical-align: top;overflow: hidden;background-color: rgb(255, 207, 71);box-shadow: rgb(255, 255, 255) -7px 0px 0px 0px;"><section style="text-align: justify;"><p><br/></p></section></section></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgb(93, 142, 255); padding: 23px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;">职工申请偿还省外住房贷款本息提取住房公积金的，无需提供购建房所在地的户籍证明、住房公积金缴存凭证或社保缴存凭证。</span></p></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);min-width: 5%;height: auto;padding-left: 13px;"><section style="margin-top: 5px;"><section style="text-align: justify;color: rgb(255, 255, 255);"><p><span style="font-size: 16px;"><strong> 其他提取规定</strong></span></p></section></section></section><section style="display: inline-block;vertical-align: top;width: 23px;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);overflow: hidden;height: auto;"><section style="text-align: justify;"><p><br/></p></section></section><section style="display: inline-block;vertical-align: top;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: stretch;overflow: hidden;padding-right: 7px;padding-left: 22px;margin-left: -20px;"><section style="transform: rotateZ(338deg);"><section style="text-align: center;margin-top: -10px;margin-bottom: -3px;transform: translate3d(-6px, 0px, 0px);"><section style="display: inline-block;width: 10px;height: 49px;vertical-align: top;overflow: hidden;background-color: rgb(255, 207, 71);box-shadow: rgb(255, 255, 255) -7px 0px 0px 0px;"><section style="text-align: justify;"><p><br/></p></section></section></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgb(93, 142, 255); padding: 23px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;">职工申请提取住房公积金时，家庭名下有未结清住房公积金贷款，按以下情形处理：<br/><br/>1.住房公积金贷款账户逾期的，公积金中心不予受理提取申请；<br/><br/>2.办理销户类（除退休提取外）提取业务的，账户余额应优先用于偿还未结清的住房公积金贷款。</span></p></section></section><p><br/></p><p><br/></p><p><br/></p><section style="line-height: 1.8;padding-right: 10px;padding-left: 10px;"><p style="text-align: center;"><span style="color: rgb(39, 88, 202); font-size: 16px;"> <strong><span style="color: rgb(39, 88, 202); font-size: 18px;">关于贷款管理事项</span></strong></span></p></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);min-width: 5%;height: auto;padding-left: 13px;"><section style="margin-top: 5px;"><section style="text-align: justify;color: rgb(255, 255, 255);"><p><span style="font-size: 16px;"><strong> 规范贷款基本条件和年限</strong></span></p></section></section></section><section style="display: inline-block;vertical-align: top;width: 23px;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);overflow: hidden;height: auto;"><section style="text-align: justify;"><p><br/></p></section></section><section style="display: inline-block;vertical-align: top;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: stretch;overflow: hidden;padding-right: 7px;padding-left: 22px;margin-left: -20px;"><section style="transform: rotateZ(338deg);"><section style="text-align: center;margin-top: -10px;margin-bottom: -3px;transform: translate3d(-6px, 0px, 0px);"><section style="display: inline-block;width: 10px;height: 49px;vertical-align: top;overflow: hidden;background-color: rgb(255, 207, 71);box-shadow: rgb(255, 255, 255) -7px 0px 0px 0px;"><section style="text-align: justify;"><p><br/></p></section></section></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgb(93, 142, 255); padding: 23px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;">职工申请住房公积金贷款，应符合现行住房公积金贷款政策且所购住房应具有完全产权（政策性住房另有规定的除外）。</span></p><p><br/></p><p><span style="font-size: 16px;">公积金贷款以年为单位，可贷年限与共同还款人年龄之和不超过75年。砖混结构住房的房龄加贷款年限可延长至50年。</span></p></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);min-width: 5%;height: auto;padding-left: 13px;"><section style="margin-top: 5px;"><section style="text-align: justify;color: rgb(255, 255, 255);"><p><span style="font-size: 16px;"><strong>完善连续缴存时间认定</strong></span></p></section></section></section><section style="display: inline-block;vertical-align: top;width: 23px;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);overflow: hidden;height: auto;"><section style="text-align: justify;"><p><br/></p></section></section><section style="display: inline-block;vertical-align: top;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: stretch;overflow: hidden;padding-right: 7px;padding-left: 22px;margin-left: -20px;"><section style="transform: rotateZ(338deg);"><section style="text-align: center;margin-top: -10px;margin-bottom: -3px;transform: translate3d(-6px, 0px, 0px);"><section style="display: inline-block;width: 10px;height: 49px;vertical-align: top;overflow: hidden;background-color: rgb(255, 207, 71);box-shadow: rgb(255, 255, 255) -7px 0px 0px 0px;"><section style="text-align: justify;"><p><br/></p></section></section></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgb(93, 142, 255); padding: 23px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;">职工因工作变动，原住房公积金账户已封存未转移的，经原缴存地公积金中心出具缴存证明，原住房公积金缴存时间可合并计算，中断时间在 3个月（含）以内的，视为连续缴存。</span></p></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);min-width: 5%;height: auto;padding-left: 13px;"><section style="margin-top: 5px;"><section style="text-align: justify;color: rgb(255, 255, 255);"><p><span style="font-size: 16px;"><strong>降低异地贷款门槛</strong></span></p></section></section></section><section style="display: inline-block;vertical-align: top;width: 23px;align-self: stretch;flex: 0 0 auto;background-color: rgb(93, 142, 255);overflow: hidden;height: auto;"><section style="text-align: justify;"><p><br/></p></section></section><section style="display: inline-block;vertical-align: top;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: stretch;overflow: hidden;padding-right: 7px;padding-left: 22px;margin-left: -20px;"><section style="transform: rotateZ(338deg);"><section style="text-align: center;margin-top: -10px;margin-bottom: -3px;transform: translate3d(-6px, 0px, 0px);"><section style="display: inline-block;width: 10px;height: 49px;vertical-align: top;overflow: hidden;background-color: rgb(255, 207, 71);box-shadow: rgb(255, 255, 255) -7px 0px 0px 0px;"><section style="text-align: justify;"><p><br/></p></section></section></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgb(93, 142, 255); padding: 23px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;">当公积金中心上季度中有2个月的个人住房贷款使用率在90%（不含）以上时，暂停受理异地缴存职工（除福州都市圈外）的公积金贷款申请。</span></p><p><br/></p><p><span style="font-size: 16px;">当公积金中心上季度中有2个月的个人住房贷款使用率在90%（含）以下时，异地公积金贷款职工与本地公积金贷款职工享有同等权益。</span></p></section></section><p><br/></p><p><br/></p><p><br/></p><section style="line-height: 1.8;padding-right: 10px;padding-left: 10px;"><p style="text-align: center;"><span style="color: rgb(39, 88, 202); font-size: 16px;"><strong><span style="color: rgb(39, 88, 202); font-size: 18px;"> 关于投诉补缴事项</span></strong></span></p></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgb(93, 142, 255); padding: 23px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;">职工投诉单位未履行住房公积金建缴或足额缴存义务时，应提交本人身份证明、与被投诉单位之间的劳动合同、诉求期间工资收入情况证明等材料。被投诉单位工商注册地需在本市行政区域。<span style="color: rgb(62, 62, 62); font-size: 16px; letter-spacing: 0.578px;">同时规定了不予受理的情形。</span><br/></span></p><p><br/></p><p><span style="font-size: 16px;">以往相关规定与《福建省住房公积金缴存管理办法》《福建省住房公积金提取管理办法》《福建省住房公积金个人住房贷款管理办法》《福建省住房公积金行政执法管理规定》不一致的，按上述办法及本通知规定执行。</span></p></section></section><p><br/></p><p><br/></p><p><br/></p><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;line-height: 0;"><section style="vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section><p style="text-align: center;"><span style="font-size: 16px;"><strong><span style="font-size: 16px; color: rgb(221, 82, 44);">十项调整支持</span></strong></span></p><p style="text-align: center;"><span style="font-size: 16px;"><strong><span style="font-size: 18px; color: rgb(221, 82, 44);">困难企业惠及广大职工</span></strong></span></p></section><p><br/></p><p><br/></p><p><br/></p><section style="line-height: 1.8;padding-right: 10px;padding-left: 10px;"><p style="text-align: center;"><span style="font-size: 16px;">此次政策规范涉及</span></p><p style="text-align: center;"><span style="font-size: 16px;">缴存、提取、贷款、投诉补缴等事项</span></p></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px; margin-bottom: 10px;"><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 0 0 0%;height: auto;line-height: 0;padding-right: 13px;padding-left: 6px;"><section style="text-align: center;"><section style="display: inline-block;width: 9px;height: 9px;vertical-align: top;overflow: hidden;background-color: rgb(253, 218, 103);border-radius: 105px;"><section style="text-align: justify;"><p><br/></p></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;flex: 100 100 0%;height: auto;align-self: center;"><section style="text-align: center;"><section style="border-top: 1px dashed rgb(39, 88, 202);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 0px; border-color: rgb(95, 176, 150); background-color: rgba(209, 228, 243, 0.28); padding: 17px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;">一是规定困难企业申请降低缴存比例的条件和审批程序；</span></p><p><br/></p><p><span style="font-size: 16px;">二是规定历史欠缴的补缴比例；</span></p><p><br/></p><p><span style="font-size: 16px;">三是明确异地转移接续事宜；</span></p><p><br/></p><p><span style="font-size: 16px;">四是非销户及提前结清贷款类提取业务间隔缩短，按月办理；</span></p><p><br/></p><p><span style="font-size: 16px;">五是简化职工偿还省外住房贷款本息提取材料；</span></p><p><br/></p><p><span style="font-size: 16px;">六是规范未结清公积金贷款职工的提取行为；</span></p><p><br/></p><p><span style="font-size: 16px;">七是规范贷款基本条件及年限；</span></p><p><br/></p><p><span style="font-size: 16px;">八是完善连续缴存时间认定；</span></p><p><br/></p><p><span style="font-size: 16px;">九是降低异地贷款门槛；</span></p><p><br/></p><p><span style="font-size: 16px;">十是规定投诉补缴受理材料及不予受理的情形。</span></p></section></section><section style="line-height: 1.8;padding-right: 10px;padding-left: 10px;"><p><br/></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;line-height: 0;"><section style="vertical-align: middle;display: inline-block;line-height: 0;"></section></section><p><br/></p><p style="text-align: center;"><span style="color: rgb(223, 58, 35); font-size: 16px;"><strong>问题解答</strong></span></p><p><br/></p><section style="line-height: 1.8;padding-right: 10px;padding-left: 10px;"><p><br/></p><p style="text-align: center;"><span style="font-size: 16px;">政策调整后</span></p><p style="text-align: center;"><span style="font-size: 16px;">福州住房公积金中心</span></p><p style="text-align: center;"><span style="font-size: 16px;">针对一些常见问题进行了解答</span></p></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 10px; margin-bottom: 10px;"><section style="display: inline-block;vertical-align: middle;width: auto;align-self: center;flex: 0 0 0%;height: auto;line-height: 0;padding-right: 13px;padding-left: 6px;"><section style="text-align: center;"><section style="display: inline-block;width: 9px;height: 9px;vertical-align: top;overflow: hidden;background-color: rgb(253, 218, 103);border-radius: 105px;"><section style="text-align: justify;"><p><br/></p></section></section></section></section><section style="display: inline-block;vertical-align: middle;width: auto;flex: 100 100 0%;height: auto;align-self: center;"><section style="text-align: center;"><section style="border-top: 1px dashed rgb(39, 88, 202);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 4px; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgba(62, 62, 62, 0.17); padding: 15px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;"><strong> 1.公积金多久可以提取一次？</strong></span></p><p><span style="font-size: 16px;">政策发布后，除销户类、提前结清贷款类提取外，职工每月可申请办理一次住房公积金提取业务。</span></p></section></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 4px; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgba(62, 62, 62, 0.17); padding: 15px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;"><strong>2.职工在缴存中心有未结清的公积金贷款，可以办理销户类提取吗？</strong></span></p><p><span style="font-size: 16px;"><strong><br/></strong></span></p><p><span style="font-size: 16px;">可以办理销户类提取业务，但账户余额应优先用于偿还未结清的住房公积金贷款，剩余部分才能提取到职工银行账户。</span></p><p><br/></p><p><span style="font-size: 16px;">退休提取不受此条款限制。</span></p></section></section><section style="line-height: 1.8;padding-right: 10px;padding-left: 10px;"><p><br/></p></section><section style="justify-content: flex-start; display: flex; flex-flow: row; margin-top: 4px; margin-bottom: 10px; width: 100%; align-self: flex-start; border-style: solid; border-width: 1px; border-color: rgba(62, 62, 62, 0.17); padding: 15px;"><section style="text-align: justify;line-height: 1.8;width: 100%;"><p><span style="font-size: 16px;"><strong>3.异地缴存职工申请公积金贷款是否受资金状况影响？</strong></span></p><p><br/></p><p><span style="font-size: 16px;"><strong>受影响。</strong>当公积金中心上季度中有2个月的个人住房贷款使用率在90%（不含）以上时，暂停受理异地缴存职工（除福州都市圈外）的公积金贷款申请。</span></p></section></section><section style="line-height: 1.8;padding-right: 10px;padding-left: 10px;"><p style="text-align: center;"><br/></p><p style="margin-bottom: 0px;letter-spacing: 1px;line-height: 1.75;"><a target="_blank" href="https://zfgjj.fuzhou.gov.cn/jdhy/zcjd/202504/t20250409_5001820.htm" textvalue="点击查看：《福州住房公积金管理委员会关于进一步规范住房公积金管理工作的通知》的政策解读" linktype="text" imgurl="" tab="outerlink" data-linktype="2" style="font-size: 16px; text-decoration: underline;"><span style="font-size: 16px;">点击查看：《福州住房公积金管理委员会关于进一步规范住房公积金管理工作的通知》的政策解读</span></a></p></section><section><p style="text-align: right;"><span style="font-size: 16px; color: rgb(160, 160, 160);">记者 江海/文 <br/></span></p><p style="text-align: right;"><span style="color: rgb(160, 160, 160); font-size: 16px;">新媒体编辑 陈翔茹</span></p><p style="text-align: right;"><span style="color: rgb(160, 160, 160); font-size: 16px;">监制 管慧 邱泉盛</span></p><p><span style="color: rgb(160, 160, 160); font-size: 16px;">福州晚报新媒体出品，<span style="color: rgba(0, 0, 0, 0.5); font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif; font-size: 15px; letter-spacing: 0.544px; background-color: rgb(255, 255, 255);">综合福州住房公积金中心，</span>转载请注明出处</span></p></section><p><br/></p><p><br/></p><link rel="stylesheet" href="//www.fqlook.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_LDm" id="wcn_editor_css"/> 全心全意为人民服务， 收到了已知悉。
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