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问问大家伙儿们贷款买房和全款买房差多少钱

问问大家伙儿们贷款买房和全款买房差多少钱

浏览：58次 | 提问时间： 07-02 05:17

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3个答案

初拥 07-02 05:18

您好，据了解的话不同年限会有不同利率哦，有条件或者有钱的话就全额买,没有利息。比较划算，我家去年买了个房，商业贷款，20年，贷款45万元，每月利息1200元，20年下来也不少利息，希望我的回答对你有所帮助。以上价格来源网络，仅供参考。

千画 07-02 05:26

你好，贷款买的话会多出贷款利息，利息是多少就看你贷款多少，贷多少年了。
如果能一次性付款，还是一次性付款吧，还能享受开发商的优惠。
希望我的回答能帮到你！

我不做超人很久了 07-02 05:35

您好，通过贷款买房的贷款方式主要有公积金贷款、商业贷款和组合贷款三种方式。
一、公积金贷款：一般来说，住房公积金贷款是首选，它具有首付低(首套在90平方米以下的可以两成首付)、利率低的优势。目前住房公积金贷款年利率较低，随着公积金贷款流程的不断优化，贷款时间缩短到2-3个月。不过，公积金贷款不足的是对贷款金额有限制。
二、商业贷款：相比之下，住房商业贷款利率较高，但因为还款快、程序简单，受到开发商的欢迎。广州市场上甚至有开发商拒绝买家进行公积金贷款买房。值得一提的是，由于银行财政紧缩，每个银行商业房贷的首付和利率也有不同程度的上浮。市民在申请商业房贷时，对贷款银行也要“货比三家”。
三、组合贷款：一般是在个人贷款超过当地规定的公积金贷款的最高上限才使用的。所贷款项中的商业性个人住房贷款部分按照个人住房贷款利率执行，公积金贷款部分按照个人住房公积金贷款利率执行。
希望我的回答可以帮助到您。

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