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求问各位亲公积金里面要有多少钱才能贷款_其他_设计456问答
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求问各位亲公积金里面要有多少钱才能贷款

浏览：53次 | 提问时间： 07-02 05:15
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5个答案
曾是拥有 07-02 05:15

这个很难确定的
交满6个月就可以了。
公积金贷款的申请条件：
　　1.具有当地城镇的居住户籍或有效居住证件;
　　2.连续缴纳过6个月以上的住房公积金半年以上，缴纳公积金的时间要长于一年时间;
　　3.首套房自筹资金达到所购住房总价的30%以上(含30%)，90平以下首套房贷则只需两成;
　　4.有偿还贷款本息的能力，工作正当，职业正式，经济良好，收入稳定;
　　5.签定了购买住房的合同或协议;
　　6.符合委托人和受托人规定的其他证明条件。

喜好太多 07-02 05:24

按还贷能力计算公式，{(借款人月工资总额+借款人所在单位住房公积金月缴存额)×还贷能力系数-借款人现有贷款月应还款总额}×贷款期限(月)，使用配偶额度的{(夫妻双方月工资总额+夫妻双方所在单位住房公积金月缴存额)×还贷能力系数-夫妻双方现有贷款月应还款总额}×贷款期限(月)。其中还贷能力系数为40%，月工资总额

世界这么乱装纯给谁看 07-02 05:32

公积金月缴额÷(单位缴存比例+个人缴存比例)；
按房屋价格计算公式，贷款额度

唇情爱人 07-02 05:40

房屋价格×贷款成数，其中贷款成数根据购建修房屋的不同类型和房贷套数来确定；
按账户余额，职工申请住房公积金贷款的，贷款额度不得高于职工申请贷款时住房公积金账户余额(同时使用配偶住房公积金申请公积金贷款，为职工及配偶住房公积金账户余额之和)的10倍，住房公积金账户余额不足2万的按2万计算；
希望给你带来帮助

爱情也许没有想象的永远≈ 07-02 05:49

1.连续缴纳6个月以上可以贷款
2.贷款的金额是余额的15倍
第2种是按照你的月缴额，工资比例，贷款年限算出来的，这种需要你去要贷款的银行咨询
目前是这2种方式

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