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大家知道公积金贷款20万20年还清,每月应还银行多少钱?公积金贷款怎么申请?_其他_设计456问答
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大家知道公积金贷款20万20年还清,每月应还银行多少钱?公积金贷款怎么申请?

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大家知道公积金贷款20万20年还清,每月应还银行多少钱?公积金贷款怎么申请?

浏览:57次 | 提问时间: 07-02 04:10
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3个答案
深秋 07-02 04:10

应该没什么问题。贷款买房有很多种,有公积金贷款和商业贷款。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。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,因为贷款是要利息的,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。在贷款的时候,要有担保,比如你要贷10万,那么你得提供公积金5万元的担保,你可以找你所在的城市的朋友,合伙起来公积金总的余额加起来超过5万就行了。提供担保的方式除了公积金担保外,还有存折担保和房产证担保,但这两种比较麻烦。存折担保,如果要贷10万,得由11万的存折,而且存折到期不能提取;房产担保,得看你所提供房产的面积有多少,太小了也不行,而且只能是本地区的。担保是别人给你担保,自己的帐户钱是可以取出来的。每年可以取一次。所以说取钱和贷款是两个不相干的过程。办好了贷款,银行会给你一个账号,公积金中心会给你算每个月需要还的钱,你只需要每个月20前,将钱汇入这个账号就行了。你也可以提前还款,但是必须得贷款满1年。提前还款可以少给利息。但是具体规定还得看你和银行签订的合同。

心控2 07-02 04:19

用公积金贷款比较划算,因为公积金贷款目前利率为3.87,商业贷款即使打七折后利率也要4.158。用公积金贷款30万20年还清的话,等额本息还款每月还1797.46元,总利息为131389.56元。而一般银行放款时要求借款人的收入证明最少应该为还款额的2倍以上,您的收入不符合银行放款条件,建议您可以和配偶共同贷款。

待君久不至 07-02 04:27

如果你的还款方式为自由还款方式的话,你有两种方式还清贷款。一、拨打96155公积金热线根据语音提示自主办理:例如:如果你的借款合同上的还款日期(银行每月扣款的日子)是20日,你可以在20日的前后三个工作日以外的日期拨打96155办理提前全部还款,先查询一下你还剩多少钱,然后设定你的预约还款金额为你的最高还款额(贷款余额),然后你把相应的钱存到你的还款卡里就可以了,然后银行会在20日从卡里扣款的,在银行扣款后的3个工作日以后你在去公积金贷款中心领取你的还清证明。

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