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弱弱的问一下上海公积金装修贷款要求都有哪些？

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宁波住房公积金装修贷款怎么申请？大家知道什么情况啊求告知房屋装修怎么用公积金贷款？求装修技巧长沙市公积金贷款装修房子怎么申请？谁有费用的详细类目表呢打听一下装修住房公积金贷款吗？谁知道具体的数目啊求告知公积金如何贷款装修？找什么公司比较好呢？上海公积金申请装修贷款怎么申请？怎样计算费用呢想熟悉一下装修房子能公积金贷款吗？哪位知道该如何计算啊昆明公积金贷款装修怎么申请？有人知道该如何操作啊想问杭州公积金装修可以贷款吗？在哪里办理临沂住房公积金装修贷款怎么申请？谁可以给个参考价格？想问怎样办理公积金贷款装修？谁知道详细情况啊求告知怎样做公积金装修贷款？哪一种风格比较好哪位清楚可以用住房公积金贷款装修吗？西安公积金装修贷款怎么申请？有参考价吗？想问公积金能不能装修贷款？需要的费用有哪些

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弱弱的问一下上海公积金装修贷款要求都有哪些？

浏览：51次 | 提问时间： 07-20 05:11

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1个答案

黑指甲的小妖娆 07-20 05:12

购房者还可依据所购房屋面积，按照既定标准申请公积金装修贷款，贷款总额不得超过房屋总价的一定比例及各市规定的个人公积金贷款额度上限。
一、公积金贷款额度
1、公积金贷款额度的上限计算公式是：贷款职工月计缴住房公积金额度÷贷款职工住房公积金的缴存比例×0.45×12×实际可贷年限
2、公积金贷款额度通常要求不超过房屋总价的70%,且通常都有上限限制；
3、贷款期限:长可达30年。
二、公积金装修贷款关注事项
1、通常要求办理装修的房屋面积大于70㎡，房龄以15年之内，以上内容不达标会引发办理成本上升。
2、现在办理公积金装修贷款的额度标准通常为可贷1000元/㎡，未来可能再度放宽到2000元/㎡。而一旦开放2000元/㎡，办理成本也会相对提高；
3、公积金装修贷款没有还清不能申请新的公积金房屋贷款，短期内有购房需求的业主轻易不要做公积金装修贷款；
4、公积金装修贷款头2个月的还款是要求现金存入还款账户的之后才能用公积金抵冲，拿到贷款后不要把账户内金额全部取走，至少留下2个月的还款额度，以免造成还款违约。

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