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问下徐州市住房公积金贷款上限是多少钱？_其他_设计456问答
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问下徐州市住房公积金贷款上限是多少钱？

浏览：47次 | 提问时间： 07-10 09:33
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4个答案
不美萌又怎样 07-10 09:33

公积金个贷最高贷款成数为购房总价款的80%(二手房为70％)，其中公积金贷款资金个人最高限额不超过40万元，参贷后不超过个人最高限额的1.5倍(60万元)。

我恋小黄人 07-10 09:42

根据贷款政策规定，按以下四种方式计算公积金贷款额度，以其中的较小值为上限。
(一)个人贷款偿还能力参考值

与我共赏 07-10 09:50

单位和个人月公积金缴存金额×12×贷款年限×2＋公积金现有余额×2。
(二)房屋总价－首付款－住房公积金提取金额。
①职工家庭办理首次公积金贷款的，首付款比例不得低于房屋总价的30%，
②第二次公积金贷款首付款比例不得低于房屋总价的50%。
(三)月还款额一般不超过申请人月工资收入的50%。
(四)在市区购房的，双方公积金贷款额度最高不超过50万元，单方公积金贷款额度最高不超过40万元。在县区购房的，公积金贷款额度最高不超过30万元。
希望对你有帮助

隐梦7m 07-10 09:59

徐州公积金贷款上限最高是50万。
按市住房公积金管委会确定的标准执行(目前借款人双方正常缴存的，其最高贷款额度为50万元);借款人单方正常缴存的，原则上不超过最高贷款额度的50%，经“中心”信用等级综合考评通过后，可适当放宽至最高贷款额度的75%。
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