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要我想请问一下可不可以用公积金贷款,如果在杭州公积金装修贷款要怎么办理?_其他_设计456问答
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要我想请问一下可不可以用公积金贷款,如果在杭州公积金装修贷款要怎么办理?

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要我想请问一下可不可以用公积金贷款,如果在杭州公积金装修贷款要怎么办理?

浏览:33次 | 提问时间: 07-01 04:34
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3个答案
难得爱人 07-01 04:35

1.公积金贷款必须连续缴存12个月以上并且贷款时还在连续缴存着。2。公积金贷款1-5年利率4.50%,6-30年利率4.95%3。公积金最高贷款从今年7月1日由40万调整到60万。最高贷款年限30年。4。公积金贷款年限+贷款人年龄不得超过70岁。5。公积金贷款根据贷款人每月单位缴存额和缴存比例贷款。(因为缴存额和缴存比例直接体现工资的多少和还款能力)6。公积金贷款需要公积金指定的评估公司评估房子(看房子的格局、面积、楼层、小区环境、房屋年代及装修等)最后按评估价的6-8成贷款7。公积金贷款后可以由单位公积金经办人统一办理提取手续。个人无法提取。一手房提取需要购房合同、(首付发票、借款合同)、二手房提取需要(产权证、契税票)、买卖合同、借款合同。以上证件以各地政策为准。8。公积金每年可以提取一次,少数地区半年提取一次。提取住房公积金必须要买房或房屋装修才可以提取。(房屋大修必须要建委的批复。装修细目的正式发票。提取款额不能超过装修款额)9。公积金贷款已经实施属地划分。(意思就是在哪买的房子就在房屋所属地区的住房公积金管理中心申请贷款)

多情笑我 07-01 04:43

目前贷款购房主要有以下几种:1、住房公积金贷款;2、个人住房商业性贷款;3、个人住房组合贷款。1、住房公积金贷款:对于已参加交纳住房公积金的居民来说,贷款购房时,应该首选住房公积金低息贷款。住房公积金贷款具有政策补贴性质,贷款利率很低,不仅低于同期商业银行贷款利率(仅为商业银行抵押贷款利率的一半),而且要低于同期商业银行存款利率,也就是说,在住房公积金抵押贷款利率和银行存款利率之间存在一个利差。同时,住房公积金贷款在办理抵押和保险等相关手续时收费减半。2、个人住房商业性贷款:以上两种贷款方式限于交纳了住房公积金的单位员工使用,限定条件多,所以,未缴存住房公积金的人无缘申贷,但可以申请商业银行个人住房担保贷款,也就是银行按揭贷款。只要您在贷款银行存款余额占购买住房所需资金额的比例不低于30%,并以此作为购房首期付款,且有贷款银行认可的资产作为抵押或质押,或有足够代偿能力的单位或个人作为偿还贷款本息并承担连带责任的保证人,那么就可申请使用银行按揭贷款。3、个人住房组合贷款:住房公积金管理中心可以发放的公积金贷款,最高限额一般为10-29万元,如果购房款超过这个限额,不足部分要向银行申请住房商业性贷款。这两种贷款合起来称之为组合贷款。此项业务可由一个银行的房地产信贷部统一办理。组合贷款利率较为适中,贷款金额较大,因而较多被贷款者选用。

溺爱我 07-01 04:52

如果你的单位有住房公积金的话,你用公积金贷款的话,首先要和开发商把相关手续谈好并且由开发商提供相关的表,你拿着这个表去公司的相关部门签字,然后去领公积金,以后的手续开发商都会告诉你怎么办理的如果不用公积金的话,用银行按揭贷款买房的话就去买你看中的房子吧,一切东西都由开发商告诉你怎么办的,因为不同的开发商需要的东西也不同,所以没有一个标准的说法,总之就是开发商让你去弄什么你就去弄就可以了,贷款的时候还需要银行的收入审查什么的,那些都由银行的人去做,你只提供他们需要的材料就可以了。

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