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求教房子贷款多少年划算？怎么计算的？流程是什么_其他_设计456问答
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求教房子贷款多少年划算？怎么计算的？流程是什么

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邮政买房贷款有什么费用吗？哪位知道这个情况问一下下可以向银行贷款买房吗？房贷时间多长？麻烦报报价交行提前还房贷流程哪位清楚？哪位亲了解？麻烦说说。有人晓得，按揭房贷款装修怎么申请？哪位知道这个情况买房子贷款能贷多少哪位懂这个？到底能贷多少钱？需要什么***办理按揭房贷流程是什么？有没有人了解？有网友清楚吗？房贷按揭流程有哪些？了解下？哪位清楚？以公司名义买房贷款买房的好处是什么啊？谁知道该如何计算啊买房子贷款需要走什么程序需要什么资料？具体流程是什么上海房贷提前还款流程是什么？有谁知道的不？需要注意哪些问题？有人知道按揭房贷款这块的吗？求解东莞按揭房贷款应该如何办理？流程怎么走？买房还贷流程哪位可以说说？有什么值得注意的2023成都房贷提前还款流程是怎样的呢？谁能说一下？房贷按揭流程有哪些？谁按揭过可以告诉我吗？应该注意什么房贷解押流程谁朋友熟悉？平转房贷是什么？哪位能够说说看？

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求教房子贷款多少年划算？怎么计算的？流程是什么

浏览：50次 | 提问时间： 07-16 08:36
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5个答案
半夏微凉不成殇 07-16 08:37

那要看你怎么考虑了，如果你想贷款买房不是贷很多或是想近几年就还得，可以考虑三年至五年房贷这样还贷比较划算。至于贷款买房其一是没有资金、其二是现在人民币也在贬值中，或许不久你一年的还贷款数可能是你一月的薪水呢也未尝不可，这样即使你倒是想一次还款也比在那时买要还算的多，就拿我自己来说，当时买的房子是每月要还500元，是当时工资的三分之一，现在我可以一月还十月的房贷，这不就划算了嘛，压力也不大.

海风的气息 07-16 08:45

你好。现在贷款买房按揭都不划算，买一套60万的房子，交20万的首付，每月还款项都要3000-4000元的样子，20年的贷款本金加利息都要80多万的样子。所以按揭贷款划不划算，跟你的首付相关，你首付付的多，贷款贷的少就最划算，贷款期限为10-15年最划算。希望我的回答可以帮到你。

陌初寒上 07-16 08:53

房贷分多少年还合算，具体的可以根据以下情况界定：
1、个人住房贷款最长期限为30年；
2、个人商业用房贷款最长期限为10年；
3、男士年龄不超过60岁，女士年龄不超过55岁。对于“房贷分多少年还合算”这个问题不能一概而论，要根据买房人不同的收入和自身经济状况来讨论。一般而言，贷款期越长，每月还款额越少；贷款期越短，每月还款额越高。如果贷款人的收入稳定且比较高的话，则适合选择短期贷款，时间越短利息越少，对于高收入只是为了暂时周转的人群来说，这样可以节省下不少房贷利息。而收入不稳定或低收入人群，考虑到自身的收入问题，则讲年限拉长比较划算。

褪了风尘 07-16 09:01

答：广州的公积金在佛山购房房子，一个人最多只能贷款26万，2个加起来贷款52万，不是很划算。

半路友人 07-16 09:10

买二套房贷款还是选择公积金吧，才能划算点，不然不怎么好的。

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