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<p>住房公积金是解决职工住房问题的专项资金。按照现行有关规定，职工连续、足额缴存住房公积金6个月（含）以上，即可向住房公积金管理中心申请个人住房贷款。目前住房公积金个人住房贷款利率为3.25%，远低于商业银行个人住房贷款利率。据测算，一笔额度100万元、期限20年的住房公积金个人住房贷款，可比商业银行个人住房贷款节省利息支出20万元以上，能有效减轻职工购房负担。但近期，部分房地产开发企业拒绝购房人使用住房公积金贷款，严重损害了缴存职工合法权益。为此，住房城乡建设部、财政部、中国人民银行、国土资源部近日联合印发《关于维护住房公积金缴存职工购房贷款权益的通知》（建金[2017]246号）（以下简称《通知》）。</p><p>　　《通知》规定，住房公积金管理中心要规范贷款业务流程，压缩审批时限，自受理贷款申请之日起10个工作日内完成审批工作。受托银行要及时受理职工住房公积金贷款申请和办理相关委托贷款手续，住房公积金管理中心要加强对受托银行的业务考核。要公开住房公积金贷款业务流程、审批要件、办理地点、办理部门和办结时限，并在业务网点予以明示。各地住房城乡建设、不动产登记、人民银行等部门要建立住房公积金贷款业务办理信息共享机制，让数据多跑路，职工不跑路或少跑路。</p><p>　　《通知》明确，要提高住房公积金贷款抵押登记效率。不动产登记机构应当严格按照有关规定，及时受理住房公积金贷款抵押登记申请，在10个工作日内完成抵押登记手续。要应用信息化等技术手段，进一步提升住房公积金贷款抵押登记效率。</p><p>　　《通知》要求，住房城乡建设部门要加强房地产市场监管。房地产开发企业在销售商品房时，要提供不拒绝购房人使用住房公积金贷款的书面承诺，并在楼盘销售现场予以公示。房地产开发企业要认真履行承诺，不得以提高住房销售价格、减少价格折扣等方式，限制、阻挠、拒绝购房人使用住房公积金贷款，不得要求或变相要求购房人签署自愿放弃住房公积金贷款权利的书面文件。</p><p>　　《通知》提出，要加大联合惩戒力度。各地住房城乡建设部门和住房公积金管理中心要及时查处损害职工住房公积金贷款权益的问题。对限制、阻挠、拒绝职工使用住房公积金贷款购房的房地产开发企业和销售中介机构，要责令整改。对违规情节严重、拒不整改的，要公开曝光，同时纳入企业征信系统，依法严肃处理。</p><p>　　《通知》明确，缴存职工可通过12345市民热线、12329住房公积金服务热线等渠道，投诉举报房地产开发企业和房屋销售中介机构拒绝住房公积金贷款问题。根据投诉举报线索，住房城乡建设部门和住房公积金管理中心要快速响应，及时查处。</p><p>　　《通知》要求各地住房城乡建设部门和住房公积金管理中心，联合开展拒绝职工使用住房公积金贷款购房问题专项整治行动，严厉打击房地产开发企业和房屋销售中介机构违规行为。同时，要求各省、自治区住房城乡建设厅加强监督检查工作。</p><p><br 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14px;color: rgb(56, 30, 5);word-wrap: break-word !important;"><p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word !important;">购买《规划师》或图书</p><p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word !important;">请拨打电话：0771-2438012</p></section></section></section></section><section class="" powered-by="xiumi.us" style="white-space: normal;max-width: 100%;box-sizing: border-box;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><section class="" style="margin-top: 10px;margin-bottom: 10px;max-width: 100%;box-sizing: border-box;text-align: center;word-wrap: break-word !important;"><section class="" style="max-width: 100%;box-sizing: border-box;vertical-align: middle;display: inline-block;word-wrap: break-word !important;overflow: hidden !important;"><img src="http://read.html5.qq.com/image?src=forum&q=5&r=0&imgflag=7&imageUrl=http://mmbiz.qpic.cn/mmbiz_jpg/j8bTq15u0miaZM1J1flsKEZ7vewl8hoKc8ZsvTxFZ8rtABwt8h3DjiaEjj45icFIEEkEu9b2icGCRObgd0kwH8158A/640?wx_fmt=jpeg" style="max-width:100%;" /></section></section></section><section class="" powered-by="xiumi.us" style="white-space: normal;max-width: 100%;box-sizing: border-box;background-color: rgb(255, 255, 255);word-wrap: break-word !important;"><section class="" style="margin-top: 10px;margin-bottom: 10px;max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section class="" style="max-width: 100%;box-sizing: border-box;width: 555.556px;font-size: 0px;word-wrap: break-word !important;"><section style="margin-left: 24px;max-width: 100%;box-sizing: border-box;border-bottom: 1px solid rgb(33, 71, 215);word-wrap: break-word !important;"></section><section style="margin-top: -1px;max-width: 100%;box-sizing: border-box;float: left;word-wrap: break-word 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rgb(33, 71, 215);border-left: 1px solid rgb(33, 71, 215);word-wrap: break-word !important;"></section></section><section style="margin-top: -1px;max-width: 100%;box-sizing: border-box;float: right;word-wrap: break-word !important;background-color: rgb(255, 255, 254) !important;"> <section style="margin-right: 8px;max-width: 100%;box-sizing: border-box;width: 0px;height: 8px;border-right: 1px solid rgb(33, 71, 215);word-wrap: break-word !important;"></section><section style="margin-top: -1px;max-width: 100%;box-sizing: border-box;width: 16px;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;width: 16px;height: 8px;border-right: 1px solid rgb(33, 71, 215);border-left: 1px solid rgb(33, 71, 215);border-bottom: 1px solid rgb(33, 71, 215);word-wrap: break-word !important;"></section><section style="margin-top: -8px;margin-left: 8px;max-width: 100%;box-sizing: border-box;width: 8px;height: 16px;border-left: 1px solid rgb(33, 71, 215);border-bottom: 1px solid rgb(33, 71, 215);border-top: 1px solid rgb(33, 71, 215);word-wrap: break-word !important;"></section></section><section style="margin-top: -1px;margin-left: 16px;max-width: 100%;box-sizing: border-box;width: 8px;height: 16px;border-top: 1px solid rgb(33, 71, 215);border-right: 1px solid rgb(33, 71, 215);border-left-color: rgb(33, 71, 215);word-wrap: break-word !important;"></section></section></section><section class="" style="max-width: 100%;box-sizing: border-box;clear: both;word-wrap: break-word !important;"></section><section class="" style="margin-top: -12px;margin-bottom: -12px;padding-right: 20px;padding-left: 20px;max-width: 100%;box-sizing: border-box;width: 555.556px;word-wrap: break-word !important;"><section class="" powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section class="" style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section class="" style="max-width: 100%;box-sizing: border-box;text-align: center;font-size: 14px;word-wrap: break-word !important;"><p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><span style="max-width: 100%;box-sizing: border-box;color: rgb(227, 43, 107);word-wrap: break-word !important;">转载须知</span></strong></p><p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;">由原创文章请遵循以下转载要求：</strong></p><p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;">微信公众号请于文章发布<span style="max-width: 100%;box-sizing: border-box;color: rgb(227, 43, 107);word-wrap: break-word !important;">两天后</span>转载，</strong></p><p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;">转载时后台回复“转载”二字，</strong></p><p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;">无授权图片的童鞋会被举报的哦！</strong></p></section></section></section></section><section class="" style="margin-top: 1em;max-width: 100%;box-sizing: border-box;width: 555.556px;font-size: 0px;word-wrap: break-word !important;"><section style="margin-top: -1px;max-width: 100%;box-sizing: border-box;float: left;word-wrap: break-word !important;background-color: rgb(255, 255, 254) !important;"> <section style="margin-top: -1px;max-width: 100%;box-sizing: border-box;width: 8px;height: 16px;border-bottom: 1px solid rgb(33, 71, 215);border-left: 1px solid rgb(33, 71, 215);border-top-color: rgb(33, 71, 215);word-wrap: break-word 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