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买房办理贷款流程中商贷利率和公积金贷款利率差别大吗？

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买房办理贷款流程中商贷利率和公积金贷款利率差别大吗？

浏览：49次 | 提问时间： 07-22 03:09

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3个答案

不朽 07-22 03:10

不可以的，公积金只针对缴纳公积金当地买房适用，假如你是首套买房，现在打七折利率和公积金接近，公积金利率3.84%商贷4.158%，要是二套商贷（6.534%）的利率就要高出不少了。可以考量将公积金提取出来，用商贷贷款。

我最爱你对我笑 07-22 03:18

贷款原则：认贷不认房
1、假如你第一套房是全款买的，办理公积金贷款买房算首套；
2、假如你第一套房是商贷买的，办理公积金贷款买房算二套。2020年贷款利率：贷款年限在5年以下是3.75%，5年及以上是4.25%。二套房贷款利率现在很少有上浮的。价格来源网络，请自行核实

浅色瞳孔 07-22 03:26

沈阳首套房贷款利率：首套房贷款分为公积金贷款和商贷。公积金贷款,首套住房贷款利率是4.5%。商业贷款,首套房贷款利率是6.55%

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