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问问一下住房公积金贷款有利息么？流程是什么_其他_设计456问答
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问问一下住房公积金贷款有利息么？流程是什么

浏览：59次 | 提问时间： 07-01 04:34
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容颜未改心有疤 07-01 04:35

用住房公积金贷款买房子，有利息。　　现行公积金贷款利率是2016年6月28日调整并实施的，五年以上公积金贷款利率3.5%,月利率为3.5%/12，五年及以下公积金贷款利率为年利率3.0%，全国都一样。　　商业贷款：　　(1)贷款利率与贷款用途、贷款性质、贷款期限、贷款政策、不同的贷款银行等相关。国家规定基准利率，各银行根据各种因素确定差别贷款利率，即在基础上上浮或下浮。　　现行基准利率是2016年7月6日调整并实施的，种类与年利率如下：　　①短期贷款六个月(含)5.6%;　　②六个月至一年(含)6%;　　③一至三年(含)6.15%;　　④三至五年(含)6.4%;　　⑤五年以上6.55%。　　(2)房贷是银行贷款利率是根据贷款的信用情况等综合评价的,根据信用情况、抵押物、国家政策(是否首套房)等来确定贷款利率水平,如果各方面评价良好，不同银行执行的房贷利率有所差别,2016年由于资金紧张等原因，部分银行首套房贷款利率执行基准利率的1.1倍或1.05倍。

我心温暖如阳不惧悲伤 07-01 04:43

你好，公积金贷款利率如下：，公积金1-5年的利率为3.33%，5-30年的利率为3.87%。这个要比商业贷款，银行贷款基准利率低很多。希望我的回答能帮到你。

脑残才不会珍惜我的好 07-01 04:52

(1)贷款利率与贷款用途、贷款性质、贷款期限、贷款政策、不同的贷款银行等相关。国家规定基准利率，各银行根据各种因素确定差别贷款利率，即在基础上上浮或下浮。　　现行基准利率是2016年7月6日调整并实施的，种类与年利率如下：　　①短期贷款六个月(含)5.6%;　　②六个月至一年(含)6%;　　③一至三年(含)6.15%;　　④三至五年(含)6.4%;　　⑤五年以上6.55%。希望我的回答对你有所帮助。

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