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买二手房，想把我和媳妇的公积金提取当首付和费用？需要注意哪些细节

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买二手房，想把我和媳妇的公积金提取当首付和费用？需要注意哪些细节

浏览：26次 | 提问时间： 07-28 04:30

我买二手房，想把我和媳妇的公积金提出来当首付和过户等各种费用，然后抵押房产证做商业贷款，请问能把钱提我手里吗？

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4个答案

蔓珠つ沙華 07-28 04:31

二手房和新房利息都是一样的，都是中国人民银行定的房贷利息标准，不同是首付款的比例。我了解到的，新房全部用公积金首付款是购房款的20%，使用商贷首付款是30%。二手房依照房龄可以是40%、50%或者更高的。题主觉得我回答得好就采纳吧。

如同肮脏污秽 07-28 04:40

新房：90平米以上首付30%，90平米以下首付20%。二手房：应该是贷款金额+首付

悦颜 07-28 04:48

全款。（应该看个人的收入或公积金缴存看个人的能力，和所买的房子的评估价。）个人能力和房子评估价两个取低的一个。例：房子可以贷款15万，个人能力只能贷款20万，那就只能贷款15万。期望我的回答能够对你有用

久不见 07-28 04:56

新房是公积金贷款的话首付是40%,商贷的话首付是30%!二手房公积金贷款和新房一样,商贷首付是40%。

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