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本报北京12月1日报道:记者今天从总后勤部财务部了解到,全军首批军人住房公积金贷款目前全部顺利发放到位,符合条件的官兵从全国32个城市的各大国有银行共计贷款3214万元。
《军人住房公积金贷款管理办法》自今年8月1日起正式施行,这是减轻军人购房经济负担,维护官兵合法权益的一项具体惠军举措。根据规定,军人在购买家庭首套住房时,可不受单位驻地和家庭所在地限制,在全国各地申请军人住房公积金贷款;贷款利率按照国家住房公积金贷款利率同步调整,可享受地方人员同等优惠利率;贷款限额就高不就低,申请地限额低于全国平均水平的按全国平均水平执行,高于全国平均水平的按当地限额标准执行,高房价地区官兵可申请更多贷款;购买军队经济适用住房或安置住房的,还可以商业银行认可的第三方担保或其他动产作抵押,解决了军队经济适用住房贷款担保的“瓶颈”问题。
记者登录总后勤部门户网站进入“军人住房公积金贷款个人查询”页面,可点击查询不同地区贷款限额标准、计算贷款本息,下载申请表按要求填报后提交有关申请资料即可。单位财务部门每月15日前通过军事综合信息网直接上报军区级大单位,不需层层审批。月底,总部将当月贷款人员名单提交各协作银行。官兵携带单位财务部门开具的贷款批准书到购房地协作银行办理贷款申请。符合条件的军人,最快45个工作日便可拿到贷款。
记者从总后勤部财务部了解到,8月以来,他们抓紧与协作银行洽商合作协议,组织贷款业务培训和政策宣传,研发贷款系统上线运行,耐心解答官兵疑问;同时,督促协作银行制订下发内部操作规程,协调开设军人公积金贷款“绿色通道”,简化审批流程,按月及时审批发放贷款,确保“好政策”尽快变成官兵的“真实惠”。
据总后勤部财务部负责人介绍,军人住房公积金贷款政策的出台,体现了党中央、中央军委和习主席对全军指战员的关心厚爱,为购房中有实际困难的官兵家庭解了燃眉之急,提高了军人职业认同感和幸福指数。截至10月底,全军已有6.5万名官兵提出了贷款意向。
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