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想要贷款，请问如何知道公积金能贷多少钱

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想用房产抵押公积金贷款的流程是什么？办理流程是什么呢？向公司申请缴纳住房公积金需要哪些手续？有人知道如何操作啊？萧山区住房公积金管理中心提取流程哪位了解？小白求助房屋装修可提取公积金吗，额度是多少？小白求助房子装修能用公积金贷款吗，求解答小白求助公积金能申请装修贷款吗？小白求助公积金可以贷款装修房子吗？小白求助公积金可以取出来装修吗？要怎么操作？小白求助家里装修可以用公积金吗，请回答下？小白求助公积金可以提前还款好吗？是不是需要考虑更多的流程的？小白求助公积金可用于装修吗，办理程序是？小白求助南京公积金可以贷款装修吗？小白求助住房装修可以公积金贷款吗，有什么类别？小产权房可以提公积金吗？需要怎样的流程呢？新房装修能用公积金贷款吗？求哪位解答下这个话题

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想要贷款，请问如何知道公积金能贷多少钱

浏览：70次 | 提问时间： 07-01 04:34

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3个答案

不甚喜 07-01 04:35

贷款买房有多种，有公积金贷款和商业贷款。首套的话是按照房价总额的，公积金贷款20%、商业贷款30%；二套住房多为4成。非普通住宅又有差别。在贷款前，你要先知道自己的公积金帐户上有多少钱，单位每月给你多少钱。只有知道自己的情况才能去贷款。公积金是职工的一种福利，贷款利息比商业贷款低很多。商业贷款一般是可以和公积金一起，做成组合贷款，如果你要贷很多款，但是你的公积金余额有不多，这时可以组合贷款。家庭首套房，首付款比例为30%，执行公积金贷款基准率4.5%或国家基准利率6.55%(商贷)；如果这次购房的住房为二套房，首付款比例确定自己的公积金后，就是去选房子。确定这个房子总价多少钱，首付多少，总价减去首付就是贷款的钱。首付是不能贷款的，所以你手上必须要有些现金，一般的首付是30%。如果你手上的钱多于首付的30%，那么你还可以再给现金，这样做的原因是减少你贷款的钱，因为贷款是要利息，这样从总额来说，给的现金越多，贷的越少还是合算的，当然这个得由你自己的情况来决定。希望有用。

凉扯 07-01 04:43

公积金贷款二套住房多为4成。在贷款前，你要先知道自己的公积金帐户上有多少钱，单位每月给你多少钱。只有知道自己的情况才能去贷款。公积金是职工的一种福利，贷款利息比商业贷款低很多。商业贷款一般是可以和公积金一起，做成组合贷款，如果你要贷很多款，但是你的公积金余额有不多，这时可以组合贷款。家庭首套房，首付款比例为30%，执行公积金贷款基准率4.5%或国家基准利率6.55%(商贷)；如果这次购房的住房为二套房，首付款比例确定自己的公积金后，就是去选房子

愚妄友人 07-01 04:51

贷款买房有很多种，有公积金贷款和商业贷款。各个城市略有不同。首套的话，公积金贷款2成、商业贷款3成；二套住房多为4成。非普通住宅又有差别。在贷款前，你要先知道自己的公积金帐户上有多少钱，单位每月给你多少钱。只有知道自己的情况才能去贷款。公积金是职工的一种福利，贷款的利息比商业贷款低很多。商业贷款一般是可以和公积金一起，做成组合贷款，如果你要贷很多款，但是你的公积金余额有不多，这时可以组合贷款。确定自己的公积金后，就是去选房子。确定这个房子总价多少钱，首付多少，总价减去首付就是贷款的钱。首付是不能贷款的，所以你手上必须要有些现金，一般的首付是30%。

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