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116问答网 > 我现在想贷款买房子，可是单位的公积金已经停交好几年了，那我还能用公积金贷款吗？

我现在想贷款买房子，可是单位的公积金已经停交好几年了，那我还能用公积金贷款吗？

2025-04-04 15:55:12

推荐回答（1个）

回答1：

公积金连续缴存一年以上，且在申请贷款时还在缴存状态的可以用公积贷款。你的情况肯定是用不了。
补交需要征得你单位同意的同意才可以，但很少有单位愿意给职工补交的，因公积是单位和个人分别承担50%，如果是因你个人原因导致公积金停交，补交基本没戏，但如果是因单位原因导致公积金停交，可以你单位交涉让他们给你补交，当然依然是单位个人各50%比例补交的，明白了么？

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