今年4月，省、市两级公积金中心，对公积金贷款推行存贷挂钩机制。其中，贷款额度确定方式，由“按住房公积金月缴存额度确定”，调整为“按住房公积金近12个月账户月均余额的15倍数确定”。
　　
　　In April, the Provident Fund Centre at the provincial and municipal levels carried out the savings and loan tied mechanism. The loan amount determines the patterns, and the " determined according to the monthly deposit limit of housing accumulation Fund " was replaced by" determined according to the 15 times of the average monthly balance of nearly 12 months of housing accumulation Fund”.
　　
　　简单地讲，11月以后准备买房的，为保证贷款额度，就尽量不要提取公积金了。
　　
　　In short, people who plan to purchase a house after November try not to withdraw provident fund for guaranteeing the loan limit.
　　
　　个人贷款50万
　　
　　月均账户余额至少3.33万
　　
　　Personal loan 500,000 requires accounts with average monthly balance at least 33,300.
　　
　　可贷额度为公积金账户月均余额的15倍，这句话该怎么理解？
　　
　　How can we understand the sentence, “The loanable amount is 15 times of the average monthly balance for the Provident Fund account.”
　　
　　举个例子，张某正常连续缴存住房公积金多年，于2015年12月申请公积金贷款，当时其住房公积金账户余额为28500元，月缴存额近12个月一直为830元，且没有发生提取。
　　
　　For example, Mr. Zhang has continuously deposited housing fund for many years and plans to apply for provident fund loans in December 2015. His account balance of housing fund is 28,500 then and the monthly payment of housing fund is 830 yuan in nearly 12 months without extraction.
　　
　　那么，2015年1月到12月的账户余额分别为19370、20200、21030……28500元。账户月均余额=(19370+20200……+28500)/12=23935元。张某的最终可贷额度=23935×15=359025元。
　　
　　So, the account balances from January 2015 to December respectively, 19,370, 20,200, 21,030 ... 28,500. And the account monthly average balance= (19,370+20,200...+28,500)/12=23,935. As a result, Mr. Zhang can have the final loan amount =23,935x15=359,025.
　　
　　需要说明的是，计算结果高于50万元的按50万元确定；低于15万元的，按15万元确定；缴存时间不足12个月的按实际月数确定。
　　
　　It is important to note that results higher than 500,000 will be affirmed as 500,000; less than 150,000 yuan will be affirmed as 150,000; time for paying less than 12 months will be affirmed according to the actual number of months.
　　
　　余额不足的
　　
　　现在尽量别提取公积金
　　
　　Try not to withdraw provident fund
　　
　　If the balance is not sufficient.
　　
　　此前，公积金贷款额度由缴存额度确定。月缴存额148(含)-530元，最高可贷15万元；月缴存额530(含)-1274元，最高可贷30万元；月缴存额高于1274元(含)，最高可贷50万元。
　　
　　The provident fund loan limit was determined by the paid amount earlier. When month deposit is 148 (inclusive)-530 yuan, the maximum loan can be 150,000; when monthly deposit is 530 (inclusive)-1,274 yuan, the maximum loan can be 300,000 yuan; when monthly deposit higher than 1,274 (included), the maximum loan can be 500,000 yuan.
　　
　　业内人士建议，对于余额暂时不足的购房者，可以选择尽量不提取公积金，来提高贷款额度；而那些近期就有买房打算，余额不足但缴存额度够的买房者，应该尽快申请公积金贷款。
　　
　　Some industry officials have suggested that people should try not to withdraw provident fund if the balance is not sufficient to raise the loan amount. However, people who have plan for purchasing houses without sufficient funds but enough deposit amounts should apply for housing provident fund loans as soon as possible.
　　
　　（作者 赵皓月综合报道/吴东东译）

来源： 中国网综合    | 作者：赵皓月 吴东东    | 责编：俞舒珺     电子信箱：184042016@qq.com