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武汉新版异地公积金贷款细则来了

  • 2026-10-08 20:30:12
武汉新版异地公积金贷款细则来了
新版《武汉住房公积金
异地个人住房贷款实施细则》
5月15日起施行，有效期5年
与旧版相比有以下变化

规范了异地贷款条件

放宽贷款条件，取消户籍地限制。凡在武汉市行政区域外连续正常足额缴存住房公积金达6个月及以上的单位缴存职工，均可申请异地贷款，不再要求申请人具有武汉市户籍。
参照新建房和存量房实施细则，统一规范了还款能力、无未结清公积金贷款、购房合同签订时间、存量房房屋权属清晰、住房套数及公积金贷款记录均符合公积金贷款要求等相关贷款条件的表述。

调整了异地贷款套数

认定规则

将异地贷款套数认定标准简化表述为：“按照本市住房公积金个人住房贷款管理的相关规定执行”，即参照武汉市新建房和存量房实施细则相关规定，异地贷款套数认定实行“认房不认首次贷”，且房屋套数和公积金贷款次数，皆以本市房查和公积金贷款记录为判定依据，不再与缴存地房屋套数和公积金贷款次数合并计算。

简化了异地贷款证明材料

整合简化异地贷款申请表，与本地贷款一致，均使用《武汉住房公积金个人贷款申请表》。
实行 “亮码可办”。依据住建部《关于整合住房公积金个人证明事项推动“亮码可办”的通知》，全面启用住房公积金个人业务办理电子码办理异地贷款业务，不再要求异地职工出具异地贷款缴存使用证明及明细。
与异地贷款套数认定规则优化相呼应，不再要求异地职工出具缴存地房屋套数证明。

优化了异地贷款流程

结合“亮码可办”服务的新要求、新特点，删除了异地贷款纸质审核资料报送、返还，以及向缴存地公积金中心核实信息的流程。同时，删除了出具异地贷款缴存证明的流程，明确了武汉市缴存职工到外地购买自住住房的，凭住房公积金个人业务办理电子码办理相关公积金业务。
参照新建房和存量房实施细则，优化异地贷款申请、受理、审核、合同签订、抵押登记及贷款发放等各程序环节的相关表述。

拓展了异地贷款业务种类

新增受理异地商转公业务。外地缴存职工或其配偶在武汉市购买普通自住住房时已办理个人住房商业贷款且尚未结清的，可以申请异地商转公贷款，按《武汉个人住房商业贷款转住房公积金贷款实施细则》办理。

来源：湖北发布、“武汉公积金”微信公众号

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