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宁德公积金装修贷款利率是多少谁清楚？

宁德公积金装修贷款利率是多少谁清楚？

浏览：46次 | 提问时间： 07-10 09:24

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一抹↗残笑 07-10 09:25

你好，宁德住房公积金贷款利率按照人民银行的规定，目前实际执行利率为：贷款期限在5年(含)以下的年利率为4.00％，贷款期限在5年以上的年利率为4.50％。贷款期限在1年以内的(含1年)，采用到期一次性还本付息法，1年以上的，采用等额本息还款法或等额本金还款法两种方式。
希望我的回答可以帮助到您，望采纳。

不着痕迹 07-10 09:33

一、公积金装修贷款是使用公积金贷款用于房屋装修，享用公积金贷款利率的一种贷款福利。个人住房公积金贷款的最高限额一般不超过20万元。超过20万元的由中心审贷委员会审批。一般以借款人月还款额不超过其家庭收入的50%的比例确定贷款额(但还款能力强的,条件可适当放宽)。
二、公积金装修贷款申请条件：
(1)申请贷款前六个月正常连续缴存本市住房公积金;
(2)具有完全民事责任能力,具有本市城镇常住户口或蓝印户口(非农业);
(3)具有稳定的经济收入和偿还贷款本息的能力;
(4)借款人必须是大(装)修住房的产权人,与正规的装修公司签订工程实施合同;
(5)借款申请人的配偶、同户直系血亲作为住房公积金共同借款人可以参与公积贷款额度计算。
(6)抵押物为借款人实施个人大(装)修的自住住房,并拥有个人完全产权。

怨 07-10 09:42

公积金贷款五年以上贷款利率为3.25%。贷款20万20年还清详细情况如下：贷款总额 200000.00 元，还款月数 240 月，每月还款 1134.39 元，总支付利息 72253.97 元，本息合计， 272253.97 元价格来源网络仅供参考。

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宁德公积金装修贷款利率是多少谁清楚？

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