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公积金账户里的钱除了可以用 会影响到贷款额度吗
释义
法律分析:公积金账户余额是不会影响贷款额度的,只要公积金正常缴存,就可以贷款。如果要用的公积金贷款的话,主要看的公积金基数,一般银行都是看的基数来给做一个信用贷款的放大多少倍的贷款。
法律依据:《住房公积金管理条例》
第五条 住房公积金应当用于职工购买、建造、翻建、大修自住住房,任何单位和个人不得挪作他用。
第六条 住房公积金的存、贷利率由中国人民银行提出,经征求国务院建设行政主管部门的意见后,报国务院批准。
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更新时间:2026/1/20 21:38:13