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300万的房子，北京首套首付要多少钱，60平，组合贷和纯商贷？_其他_设计456问答
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300万的房子，北京首套首付要多少钱，60平，组合贷和纯商贷？

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300万的房子，北京首套首付要多少钱，60平，组合贷和纯商贷？

浏览：52次 | 提问时间： 07-22 03:09
已经使用公积金购买一套住房，暂时无法还清，还想再买一套，如何将已购住房抵押，作为部分首付购买新的房子？
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4个答案
我是绝版我骄傲 07-22 03:10

建行：首套贷款利率上浮10%。招行：首套恢复基准。组合贷商贷部分上浮10%-15%。工行：首套基准。中行：首套基准。农行：农行首套100万以下上浮10%，100万以上基准交行：首套基准。备注：以上7家银行可做公积金贷款。北京：首套基准。花旗：首套贷款80万以上9.5折，60万-80万基准，需50平以上，贷款60万起，房子95年以后竣工的。渣打：首套贷款9.5折，没金额要求

荒废过的心存有你 07-22 03:18

北京伟嘉安捷”解答：北京公积金贷款，首套和二套首付都是二成，不过公积金贷款最高可贷120万；商业贷款二套首付是五成，利率上浮10。

释 07-22 03:26

首套，首付是30%，但二手房要首付50%，70万，应该要35万首付，假如能贷到公积金款，当然公积金好，利率比商贷低1.9，能省不少利息。

假朋友 07-22 03:35

济南市住房贷款政策：
一：客户（以家庭为单位）购买首套住房或客户家庭名下有一套房，但房贷已全部结清，再次购房：用纯商业贷款的，首付25%，贷75%，利率执行基准，即：5.15%用纯公积金贷款的，首付20%，贷80%，利率执行基准，即：3.25%用公积金+商业组合贷款的，首付25%，贷75%，利率执行基准。
二：客户家庭名下有一套房，并且商贷未结清，再次购房：纯商业贷款：首付40%，贷60%，利率上浮10%，即5.665%纯公积金贷款：首付30%，贷70%，利率执行基准，即3.25%公积金+商业组合贷款的，首付40%，贷60%，商贷部分上浮10%即5.665%，公积金部分执行基准3.25%。
三：客户家庭名下有两套或两套以上都无贷款或贷款已全部结清，再买房用：纯商业贷款，可按首套，首付25%，贷75%，利率执行基准利率，即5.15%公积金及混合不能贷。
四：客户家庭名下有两套或两套以上住房，其中有一套未结清，再买房：用商业贷款的，按二套，首付40%，贷60%，利率上浮10%公积金及混合不能贷。
五：客户家庭名下有两套或两套以上住房，都未结清贷款的，再买房不能办理贷款。

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