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10秒装修报价 装修要花多少钱?获得精准报价,省钱30%
168211
元
材料费:77201元
人工费:86544元
设计费:1760元
质检费:2706元
公积金贷款额度包括可贷额度和最高额度。公积金贷款可贷
额度,为借款人(借款人的配偶足额缴存住房公积金的,包括配偶;未足
额缴存住房公积金的,不包括配偶)年工资总额之和×35%×贷款期限
;公积金贷款最高额度为人民币10万元,一般不超过所购、建住房总价
的50%,最高不超过所购、建住房总价的70%。
一、使用住房公积金贷款流程:
1 、初审:由住房资金管理中心对申请人提交的材料进行初步审查,包括申请人资格、贷款额度、贷款期限,初审合格以后,由中心出具《抵押物审核评估通知单》。
2 、评估:申请人持《抵押物审核评估通知单》到中心指定的评估机构,对所购买的房屋价值进行评估。经济适用房不需要评估。
3 、审核:申请人持评估机构出具的《评估报告》以及中心要求的初审材料到中心进行贷款审核。如果合格,中心开具《住房资金管理中心担保委托贷款调查通知单》。
4 、办理担保手续:申请人持《住房资金管理中心担保委托贷款调查通知单》,按照自己选择的担保方式办理担保手续。如果选择抵押+保证的方式,保证人应该出具书面的担保函;如果选择抵押+保险或第三人保证的方式,应该到保险公司投保或到担保机构办理委托担保手续。
5 、签订借款合同。
6 、住房资金管理中心与受托行签订委托贷款协议。
7 、借款人直接向住房资金管理中心提出贷款申请,受托行业可根据需要,代为收集借款人申请资料,统一交住房资金管理中心审核、审批。
8 、住房资金管理中心对每笔贷款金额、期限、利率审批同意后,与受托行签订委托贷款合同。
9 、受托行按照委托贷款合同约定,与借款人分别签订《住房公积金委托贷款抵押合同》、《住房公积金委托贷款质押合同》和《住房公积金委托贷款保证合同》后,办理借款手续。
10 、受托行将贷款直接划入售房方在受托行开立的指定账户。
亲,武汉公积金以两种方式计算公积金贷款能力,一种是账户余额20倍;
另外一种是按实际还款能力来计算。贷款额度不超过借款人的还款能力,计算公式为:贷款额度=(借款人公积金月缴存额/单位和个人缴存比例之和+配偶公积金月缴存额/单位和个人缴存比例之和)×45%×12个月×贷款年限。
关于贷款年限,如果资金充足,建议选择3年的还款利率最低为3%;
另外一种公积金利率对比同期商贷利率较为优惠;一般公积金贷款以退休前的年龄为贷款最长期限~
例如你现在30岁,公积金还款设定的还款截止年龄为女性55岁,男性60岁,目前如果你29岁,那么最长可以贷30年~
你目前交纳比例是10%的话申报交纳的社保和公积金基数就是2800元,按照实际的还款能力公式计算为:2800*0.35*12个月*20年
23万5千元
另外,如果你公积金账户余额多,建议用账户余额20倍来算公积金比较划算。以上价格来源于网络,仅供参考。
(一)贷款额度与比例
1、一手房公积金贷款额度与比例:首次申请公积金贷款的,最高贷款额度为60万元,贷款额度不得超过所购房屋总价的70%(建筑面积在90平方米以下的可放宽至80%);第二次申请公积金贷款购一手房且符合武汉市职工家庭现有住房的建筑面积在140平方米及以下规定的,最高贷款额度为50万元,最高贷款比例不超过房屋总价的40%。
2、二手房公积金贷款额度与比例:首次申请公积金贷款的,最高贷款额度为60万元,贷款比例按房屋建成年限分为三个等级,房屋建成年限在10年(含10年)以内的,贷款最高比例不超过房屋总价的70%;房屋建成年限在11-20年(含20年)以内的,贷款最高比例不超过房屋总价的60%;房屋建成年限在21-30年(含30年)以内的,贷款最高比例不超过房屋总价的50%。其中房屋总价的认定以房屋评估价格、实际成交价格和交易计税价格中的最低价格为准;第二次申请公积金贷款购二手房且符合武汉市职工家庭现有住房的建筑面积在140平方米及以下规定的,最高贷款额度为50万元,最高贷款比例不超过房屋总价的40%。
3、商贷转公积金贷款额度与比例:商贷转公积金贷款额度不得超过剩余的商贷金额,同时不得超过上述关于一、二手房贷款额度与比例的规定。