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首套房公积金贷款能贷多少钱？

首套房公积金贷款能贷多少钱？

浏览：59次 | 提问时间： 06-30 04:54

名下无房，想公积金贷款买套房子，能贷多少钱？30年吗？我今年已经40岁了，还能贷30年吗？每月大概还款多少谢谢！

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你不缺我 06-30 04:54

您好，申请公积金贷款，首先要您是有公积金贷款的资质。要求：借款申请人的公积金是在北京缴存。开户满一年以上并且12个月足额缴存(近期)。目前正在缴存状态。申请人及配偶无未还清的公积金贷款及贴息贷款。还需要根据您的缴存额，缴存比例，还有房屋的年龄进行比较后，才能确定您的贷款年限和额度。最高年限是30年，首套贷款最大额度是120万。您可以参考下面的链接进行比对。

现实会告诉你物质很重要 06-30 05:03

您好！1.如果您是市属公积金：(1)额度的确定：贷款成数决定--几套购房决定贷款成数个人月缴存额决定--单身(个人缴存额÷缴存比例-1204)÷对应年限的月均还款额；已婚(个人缴存额÷缴存比例-1204×2)÷对应年限的月均还款额；?两点说明：①借款申请人月还款额在不低于月最低还款额的基础上，原则上应不低于住房公积金月缴存额；②夫妻二人都满足公积金贷款的情况下，个人缴存额可以累加。公积金首套最高可贷款120万元(二套公积金贷款取消评级，最高贷80万)；上述三者取其低者为最终贷款金额。2.如果你是国关公积金：具体能贷多少与公积金账户里的余额有关，需要官网或者柜台测算。关于这两种贷款年限的计算方式入下：贷款年限的确定：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按房龄计算：贷款最长时间：砖混(混合)：47-房龄；钢混：57-房龄最多贷款30年。上述三方面计算后取低者为最终能贷款的年限。如果您符合最高贷款额的条件，贷120万，贷30年首套，每月月供为5222.48元，希望能帮到您！或者您可以帮您的详细缴存情况告知我们帮您详细计算一下，谢谢！

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