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公积金“新政”看上去很美 近7成开发商婉拒贷款

2012-05-30 09:21:00       浏览次数:   我要评论()
摘要: 据重庆市住房公积金管理中心消息称,除了对公积金贷款限额、可贷比例进行调整之外,允许贷款职工补缴账户...

  就在全国多个城市被指公积金贷款政策放松时,重庆住房公积金贷款政策也迎来新调整。

 

  据重庆市住房公积金管理中心消息称,除了对公积金贷款限额、可贷比例进行调整之外,允许贷款职工补缴账户余额。这是重庆今年以来首次对公积金贷款政策作出调整,消息一出,立即引来业内、网友等多方热议。

 

  政策调整 个人可以补交账户余额

 

  长期以来,因公积金账户余额不够,贷不到款的重庆购房者不在少数,但这种情况在今后将有所改变。

 

  按照重庆市住房公积金管理中心相关负责人的说法,由于贷款额和缴存额挂钩,为更好满足职工对购房贷款资金的需求,将允许贷款职工补缴账户余额。人贷款限额由20万提高到40万元,一个家庭最高可贷80万元。可贷比例由账户余额的15倍提高到25倍,购房者的公积金账户余额只需要有1.6万元,就可以得到最高40万元的贷款

 

  相关负责人同时强调,补缴账户余额需要具备两个条件三种情况。两个条件:第一,缴存职工所在单位必须连续缴汇一年以上,且在办理贷款后,承诺继续缴存公积金。第二,账户余额不足1.6万元。三种情况:第一,刚工作一到两年的年轻人,所缴金额的贷款不足以买房。第二,已将公积金提取的缴存职工,在办理公积金贷款时发现余额不足。第三,外地工作者来渝工作后,原来所在地的公积金金额可补缴在新的公积金账户里。


  一方面,住房公积金管理中心在积极调整政策;另一方面,并不是所有开发商都愿意接受公积金贷款

 

  根据乐居编辑对16个楼盘的随机调查显示,有近7成的楼盘拒绝接受或者不愿意接受公积金贷款。这其中包括龙湖、金科、华宇等开发商的多个项目,保利地产更是停掉了重庆所有项目的公积金贷款

 

  在调查过程中,东原1891的置业顾问告诉编辑,能不能贷款主要还是银行说了算。“像我们项目,前段时间就不可以用公积金贷款,但是这两天又可以了。”她同时表示,“公积金贷款政策是随时在变的,这个和银行的贷款额度有一定的关系,谁也不能保证2—3个月后还可以贷到。”

 

  事实上,商业贷款仍是开发商的主流选择。某位开发商的负责人在微博上表示,项目额度是有的,但也有限,考虑到放款速度和操作模式,能不用就不用。华宇天宫花城的置业顾问告诉编辑,“公积金贷款我们在向银行申请,但能不能下来并不确定。,我们更推荐商业贷款。”

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(编辑: get(username) failed on instance of sufei.zggjj.cms.entity.main.CmsUser_$$_javassist_39 The problematic instruction: ---------- ==> ${content.user.username!} [on line 97, column 50 in WEB-INF/t/cms/www/red/content/article_content_house.html] ---------- Java backtrace for programmers: ---------- freemarker.template.TemplateModelException: get(username) failed on instance of sufei.zggjj.cms.entity.main.CmsUser_$$_javassist_39 at freemarker.ext.beans.BeanModel.get(BeanModel.java:223) at freemarker.core.Dot._getAsTemplateModel(Dot.java:76) at freemarker.core.Expression.getAsTemplateModel(Expression.java:89) at freemarker.core.DefaultToExpression._getAsTemplateModel(DefaultToExpression.java:100) at freemarker.core.Expression.getAsTemplateModel(Expression.java:89) at freemarker.core.Expression.getStringValue(Expression.java:93) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:210) at freemarker.core.MixedContent.accept(MixedContent.java:92) at freemarker.core.Environment.visit(Environment.java:210) at freemarker.core.Environment.process(Environment.java:190) at freemarker.template.Template.process(Template.java:237) at sufei.zggjj.common.web.springmvc.SimpleFreeMarkerView.renderMergedTemplateModel(SimpleFreeMarkerView.java:114) at org.springframework.web.servlet.view.AbstractTemplateView.renderMergedOutputModel(AbstractTemplateView.java:167) at org.springframework.web.servlet.view.AbstractView.render(AbstractView.java:250) at org.springframework.web.servlet.DispatcherServlet.render(DispatcherServlet.java:1047) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:817) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:719) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:644) at org.springframework.web.servlet.FrameworkServlet.doGet(FrameworkServlet.java:549) at javax.servlet.http.HttpServlet.service(HttpServlet.java:617) at javax.servlet.http.HttpServlet.service(HttpServlet.java:723) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:290) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206) at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:198) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:76) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:76) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206) at sufei.zggjj.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:38) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:235) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:206) at org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:233) at org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:191) at org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:127) at org.apache.catalina.valves.ErrorReportValve.invoke(ErrorReportValve.java:103) at org.apache.catalina.valves.AccessLogValve.invoke(AccessLogValve.java:615) at org.apache.catalina.core.StandardEngineValve.invoke(StandardEngineValve.java:109) at org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:293) at org.apache.coyote.http11.Http11Processor.process(Http11Processor.java:861) at org.apache.coyote.http11.Http11Protocol$Http11ConnectionHandler.process(Http11Protocol.java:606) at org.apache.tomcat.util.net.JIoEndpoint$Worker.run(JIoEndpoint.java:489) at java.lang.Thread.run(Thread.java:662) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor521.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:25) at java.lang.reflect.Method.invoke(Method.java:597) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:840) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:276) at freemarker.ext.beans.BeanModel.get(BeanModel.java:183) ... 45 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [sufei.zggjj.cms.entity.main.CmsUser#3765] at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:419) at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:154) at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:143) at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:174) at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190) at sufei.zggjj.cms.entity.main.CmsUser_$$_javassist_39.getUsername(CmsUser_$$_javassist_39.java) ... 51 more