异地购房可用公积金贷款吗？_楼易网

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更新时间：2017年03月20日您当前的位置：首页 > 资讯 > 购房贷款

异地购房可用公积金贷款吗？

2017-03-20 20:53 浏览：219 编辑：搜狐焦点网

异地购房可用公积金贷款吗？

很多人不知道异地购房公积金贷款，其实异地购房公积金贷款很重要，搜狐焦点网为您整理异地购房公积金贷款案例——

孟女士公积金已经缴纳了三年多了是符合办理公积金贷款条件的但是由于购房地与公积金缴存的城市并不在一起所以她仍然不能使用公积金贷款来买房

由于考虑到公积金资金的归集和使用监管的问题目前公积金贷款还不能跨地区办理这无疑是增加了人口地区流动的成本一些人口流动比较大的城市便扩大了公积金的使用范围比如像本案例中孟女士所在的昆山市昆山市属于县级市行政区域上隶属于苏州因此昆山的公积金管理中心规定在昆山市缴纳住房公积金的购房者只要在苏州范围内包括常熟市张家港太仓市吴江市昆山市购房就可以办理公积金贷款不过一般跨越地级市购房就基本上不能使用公积金贷款了

不过这并不代表异地购房便不能利用公积金孟女士可以在长沙办理商业贷款购房后再在昆山办理公积金贷款提取然后再利用提取的公积金偿还商业贷款尽管这样并不能降低利率但是仍然可以减轻孟女士还贷的压力

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