深圳市住房公积金管理中心日前起草了《深圳市住房公积金贷款管理暂行规定》（征求意见稿），现公开征求社会各界意见，有关单位和社会各界人士可在2012年7月30日前反馈意见或建议。

Shenzhen housing accumulation fund management center drafted《Shenzhen housing accumulation fund loan to the provisional regulations》（Draft version of the），Now for public opinion of all circles of society，The units and the social from all walks of life, that person may in 2012 before July 30 feedback opinions or Suggestions。

　　（可贷款额度要求)公积金贷款可贷额度为申请人和共同申请人住房公积金账户余额的10倍，并应当同时符合下列要求：

（But loans requirements)Accumulation fund loan loan applicant and common quota for the account of housing accumulation fund balance of 10 times，And shall also meet the following requirements：

　　（一）每月还贷额度（按等额本息还款法计算的本金和利息）不超过申请人住房公积金缴存基数的50%。有共同申请人且共同申请人在本市缴存住房公积金的，住房公积金缴存基数为申请人和共同申请人缴存基数之和。

（a）Monthly amount borrowed（According to the calculation method of reimbursement of principal and interest）Not more than the applicant housing accumulation fund capture puts 50% of the base。A common the applicant and the common in this city capture puts housing accumulation fund，Housing accumulation fund capture puts base for the applicant and common the applicant capture puts base the sum。

　　（二）不高于购房总价款与首付款的差额。所购住房为存量商品住房（二手房）的，应由申请人委托公积金中心认可的房地产评估机构进行价值评估，取购房合同价与评估价的低值作为购房总价款。评估费用由申请人承担。

（two）No higher than buys a house with the difference between the total price of the head。Purchased housing for commercial housing stock（Secondhand the room）of，By the applicant should be entrusted by the accumulation fund center for real estate appraisal institution value evaluation，Purchase price and take the low value as the executor of nanjing-shanghai motorway total price。Assessment charge by the applicant。

　　（三）不高于单套住房公积金贷款最高额度。职工个人申请的，单套住房公积金贷款最高额度为50万，申请人与共同申请人一并申请，且共同申请人在本市缴存住房公积金的，单套住房公积金贷款最高额度为80万。

（three）No higher than single set of housing accumulation fund loan the highest amount。Worker individual the application，Single set of housing accumulation fund loan highest quota for 500000，The applicant for the applicant and common together，And in this city to the applicant capture puts housing accumulation fund，Single set of housing accumulation fund loan highest quota for 800000。

　　申请人在申请公积金贷款前连续三年以上未曾提取住房公积金的，按照住房公积金账户余额倍数计算的公积金贷款可贷额度可以提高10%，但应符合前款规定的其他要求。

The applicant in apply for accumulation fund to borrow money for three years before not extraction housing accumulation fund，According to the account of housing accumulation fund balance calculation of multiple accumulation fund loan amount loan can be improved by 10%，But should comply with the provisions of the preceding paragraph of other demands。

　　（公积金组合贷款）公积金贷款可贷额度不足以支付购买住房所需时，职工可以向受托银行申请商业住房贷款，并由受托银行以公积金组合贷款（公积金贷款和商业住房贷款的组合）的形式向职工发放。

（Accumulation fund loan portfolio）Accumulation fund loan to pay for a purchase loan limit for housing，The worker can to the application for commercial housing loan to the bank，And the agent bank with accumulation fund loan portfolio（Accumulation fund loans and commercial housing loan portfolio）Form extends to the worker。

　　（贷款期限）公积金贷款期限以年为单位，最长贷款期限不超过30年，且贷款期限与职工（申请人）申请贷款时的实际年龄之和不超过70年。

（Loan time limit）Accumulation fund loan time limit to years for the unit，The longest loan time limit do not exceed 30 years，And loan time limit and worker（The applicant）To apply for a loan to actual age of more than 70 years。

　　（贷款利率）公积金贷款利率按照国家规定的公积金贷款利率执行。公积金贷款发放后，遇国家贷款利率调整的，公积金中心应当按季度对贷款利率进行调整。

（Loan interest rate）Accumulation fund loan interest rate, in accordance with the accumulation fund loan interest rate execution。Accumulation fund loan after release，The central government loan interest rate adjustment，Accumulation fund center quarterly to loan interest rate shall be adjusted。

　　（《证券时报》快讯中心）

（《Securities times》Dispatch center）