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公积金贷款和年龄有关吗？流程是什么

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公积金贷款和年龄有关吗？流程是什么

浏览：33次 | 提问时间： 07-16 08:34
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3个答案
时间会苍白 07-16 08:35

通常情况下公积金贷款额度跟贷款人公积金月缴存额、公积金账户余额、月收入、以及年龄有关。因为不同城市地区的公积金政策是不一样的，具体的要看下你们当地的公积金管理中心的规定是怎样的。

命犯小桃花 07-16 08:43

1、哈尔滨贷款购买二手房分为商业贷款和公积金贷款。只要你的还款能力足够。
2、根据人民银行有关个人房屋贷款利率的有关规定，你属于二套房贷，基准利率上浮10%。
3、根据借款人的年龄+借款期限不能超过65周岁，但是还要根据借款人每个月收入与月供的比例。

贾矜持 07-16 08:51

公积金贷款额度以下因素有关：房子的价值，二手房一般评估价值的60%以下；贷款总额，如个人的30万；夫妻参贷的可以60万（限额各地区不同有所差异）还款能力，一般月供必须是收入的一半以下；这个与贷款期限（影响月供）也有关，有地方规定购买15年以上二手房时，贷款年限+房龄≤30年；还有就是年龄+贷款年限≤退休年龄。公积金缴纳基数和余额。有的地方规定是余额的20~40倍为贷款上限。

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