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二套房申请公积金贷款利率是多少？公积金贷款利率是不是比较低？具体流程是什么

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二套房申请公积金贷款利率是多少？公积金贷款利率是不是比较低？具体流程是什么

浏览：49次 | 提问时间： 07-27 09:07

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5个答案

没有人理会你的委屈 07-27 09:07

安徽公积金二套房贷款利率有这些所示1，个人银行按揭贷款购买二套房的，首付最低40%以上，贷款利率为基准利率上浮10%为5.94%。2，个人公积金贷款购买二套房的，首付最低40%以上，贷款利率为基准利率上浮10%为3.85%。不过公积金贷款购买二套房的，需要将之前的一套房的公积金房贷还清才可以再次申请公积金贷款购买二套房的！期望可以帮助到你。

爲誰哭爲誰笑` 07-27 09:16

1，个人银行按揭贷款购买二套房的，首付最低40%以上，贷款利率为基准利率上浮10%为5.94%。2，个人公积金贷款购买二套房的，首付最低40%以上，贷款利率为基准利率上浮10%为3.85%。不过公积金贷款购买二套房的，需要将之前的一套房的公积金房贷还清可以再次申请公积金贷款购买二套房的！价格来源网络，请自行核实

菊部下小雨 07-27 09:24

题主好，期望对你有用。公积金贷款利率低于商业贷款，即使商业贷款打折后还是会高于公积金的贷款利率。以及就是公积金贷款的门槛比较低，只要正常缴交公积金半年或一年以上，在买房时就可以申请公积金贷款，且不需要交纳任何贷款保险费。在现在国家对楼市贷款新政的一再调控下，申请公积金贷款相对比商业贷款要优惠，没有二套房利率的上浮，而执行统一的贷款利率。当然以上分析都是在需要买房贷款的情况下的，假如你年纪尚轻，买房也是以后应该要考量的，可以先办理公积金的交纳，终究交的钱始终都是入你的个人帐户的。补充：假如不是在公积金缴交地购房，贷款就不能贷了，由于考量到异地抵押的问题比较复杂，但帐户转帐问题不大。

义无反顾 07-27 09:32

常州二套房贷款利率不知您问的是商业贷款还是住房公积金贷款利率，贷款年限是多少。现在以贷款10年期为例，来回答您的问题，假如是商业贷款通常情况下商业银行要在人民银行公布的基准利率6.55的基础上上浮10%，也就是7.21%。假如是公积金贷款利率是4.5%，上浮10%以后是4.95%。

沉沦下去 07-27 09:41

合肥公积金贷款二套房首付是:1，公积金贷款是指缴存住房公积金的职工享受的贷款，国家规定，凡是缴存公积金的职工均可按公积金贷款的相关规定申请公积金贷款。2，二套房公积金贷款首付比例最低为总房款的40%，贷款利率执行基准利率上浮10%，为4.125%。

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