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广州买房如何用公积金贷款、装修贷能不能用公积金？_其他_设计456问答
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广州买房如何用公积金贷款、装修贷能不能用公积金？

浏览：37次 | 提问时间： 07-20 04:13
广州买房怎么用公积金贷款、装修贷能不能用公积金？
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2个答案
情债請结账 07-20 04:14

广州市户口公积金够半年就可以用公积金垡贷款买房,非广州市户口公积金应该够一年才能用公积金贷款买房,关于用公积金贷款的问题,按按揭公司就全部OK

凑 07-20 04:31

很多人在用大笔资金买完房之后，已经资金短缺，假如要装修的话手头非常紧。于是很多人会想到能不能用公积金贷款来进行房屋的装修。那么，装修房子可以用公积金贷款吗？其实是不能的，这是按住房公积金的管理办法，装修不能使用住房公积金。这是由公积金的性质和监管的必要性所决定的。收藏装修房子可以用公积金贷款吗购房一定要关注哦很多人对公积金的使用存在误区，下面就是关于公积金常见的五大误区，购房的朋友一定要关注哦！
1、公积金账户余额做购房首付很多人都认为既然公积金是职工购房福利政策那么理所当然的可以用来支付购房首付，实际上不然，由于公积金是先使用后才可以提取的，即购房人只有在购房后提供购房相关的证明材料才可以办理提取手续。
2、子女使用父母的公积金贷款子女不可以使用父母的公积金来贷款买房，由于父母与子女间的公积金是不能够互相使用的。在住房公积金购房申贷问题上，则视为两户人，子女和父母之间是单独分开的，即两个家庭。收藏装修房子可以用公积金贷款吗购房一定要关注哦
3、装修房子可以提取住房公积金住房公积金仅用于职工购买(含二手房)、建造、翻建、大修(维修费用超过房屋造价30%以上)自住住房时可以提取。装修不在住房公积金提取范围内，因此装修提取住房公积金是不行的。
4、公积金贷款额超出上限公积金贷款与商业贷款存在很大区别，即不能单纯的依据房产评估值来计算贷款额，需要依照借款人收入、缴存额和缴存比例来计算，且不能超出公积金贷款最高上限。收藏装修房子可以用公积金贷款吗购房一定要关注哦
5、提取总额可以超过房款总额公积金的提取总额不能超过房款总额，就像，贷款购买的房屋总价为30万元，而他的公积金存储余额有40万元，他只能提取30万元的公积金，剩余的10万元公积金不能提取。

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