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商贷和公积金贷款差别有哪些？流程是什么_其他_设计456问答
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商贷和公积金贷款差别有哪些？流程是什么

浏览：37次 | 提问时间： 07-27 08:15
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4个答案
一直往前 07-27 08:16

首套房公积金是基准利率4.5%，不打折。商业贷款基准利率是6.55%，最多打85折，为5.568%。二套房公积金利率上浮10%，为4.95%，商业贷款也上浮10%，为7.205%。组合贷款，公积金贷款部分和商贷部分，分开来算。公积金归公积金，商贷归商贷。期望我的回答对你有用

ゆ我亵读了你的温存て 07-27 08:24

我知道应该是这个分为全款和贷款了，全款是一种情况，贷款又分商贷和公积金贷。再者就是看房子的评估价，商贷是评估价的三成，公积金是评估价的两成。

长发及腿腰多浪费洗发水 07-27 08:32

住房公积金贷款提前还款是否划算主要是看还款方式选对没有，组合贷款过程中可先考量还商贷在还公积金贷款，提前还款先后顺序有讲究公积金贷款利率较同期商贷利率低，由此看来假如同时有商业性和住房公积金贷款的，应该选取先还商贷再还公积金贷款。公积金贷款提前还款如何办依照公积金贷款合同有关约定，在公积金贷款正常还款期间，经借款合同签订各方同意，借款人正常还款一次以后可以提前部分还贷或提前一次性还清。

她走在风里 07-27 08:41

贷款利率按照你的贷款方式计算，和房屋本身的性质无关使用公积金贷款的，按照公积金利率执行。使用商业贷款的，按照商贷利率执行。

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