不知道算不算漏洞。 南京存在省公积金和市公积金。按照政策，一户家庭在同一时间只有使用公积金办理一个贷款相关的业务，比如一方办了个公积金贷款，另一方就不能再贷款了，也不能拿来还其他的商业贷款。 现在省公积金在办理公积金逐月还商贷的时候，如果配偶是市公积金，需要配偶的无贷款证明。但是，市公积金在办理的时候，不需要配偶的无贷款证明。 什么意思呢？就是，如果一方在省公积金有贷款或者用公积金逐月还了，另一方还是可以用自己的市公积金贷款或者还自己的贷款，也就是夫妻双方可以各还各的。
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链接