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我公积金到上限了，还能贷款多少钱，想贷30年我最多缴存多少

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我公积金到上限了，还能贷款多少钱，想贷30年我最多缴存多少

浏览：36次 | 提问时间： 06-30 04:52

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2个答案

倚君共忆当年舞 06-30 04:53

如果您的公积金缴存达到上限的话，首套市属公积金最高可以贷款120万(国管公积金需要看您账户中的余额和缴存额度)，但是贷款年限会缩短。市属公积金：单身个人月缴存772元/月，已婚个人缴存916元/月，购买首套住房就可以贷款120万。具体贷款年限以下情况计算：按借款人年龄计算：贷款最长时间：市属：70-夫妻双方年龄大的人的年龄国管：69-夫妻双方年龄大的人的年龄2.按房龄计算：贷款最长时间：砖混(混合)：47-房龄；钢混：57-房龄3.最多贷款30年。若借款申请人人均月收入超过北京市职工月平均工资6463元的3倍(含)以上的，其月还款额原则上应不低于其月收入的50%，因此，贷款年限会根据其月还款额相应缩短。

第十六年夏至 06-30 05:01

您好，达到公积金缴存上限以后不影响您的贷款额度，但影响贷款年限，要求至少收入的一半用来还月供

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