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问问哪个懂得北京首付多少钱？正打算入手。

问问哪个懂得北京首付多少钱？正打算入手。

浏览：50次 | 提问时间： 07-28 05:39

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时光怂恿深爱的人放手 07-28 05:40

现在没有0收费的房子依照贷款原则：公积金贷款，首付为全部房款的30%商业贷款，首付为全部房款的20%即使开发商承诺零首付，也是由开发商暂时垫付，而你需要在1年到2年之内将首付还清。也就是说，你在头1-2年，不仅需要偿还贷款，还要给开发商钱，假如你的月收入不是很多的话，一样会有很大的压力。我建议你还是问清楚比较好，我不清楚你这个二手房是从哪里买，假如是中介的话，你最好问清楚。

岁梦半尺见 07-28 05:48

北京：90平米以下，首套房首付不低于20%，90平米以上首付不低于30%。贷款最长30年。公积金贷款封顶额80万，和个人缴存额有关。即你可以首付20%，不过假如你个人缴存额不多，也贷不出那么多钱。就是说不是每个人都能贷出80万的，个人缴存额达到一定比例才能贷的多。价格来自网络，请自行核实。

我不放你走我亦飘零久 07-28 05:57

公积金是地方性政策，缴存在北京的公积金只能用于在购买北京的房屋时申请公积金贷款。现在北京的公积金只可用于北京市和秦皇岛市的公积金贷款。，你在外地买房子，而公积金缴存在北京，依俺分析，只有一下几种可操作的方法：
1、把北京的账户转移到你要买房子的那个城市（某城市有单位接收你的公积金账户，开个“开户证明”，拿到北京来办理转移），这样的话，你就可以在那个城市申请公积金贷款了。
2、你在某城市用商业贷款申请房贷，回头把北京公积金账户里的钱提取出来。
3、你要是首付款不足的话，北京的公积金缴存半年以上，可以申请一个无抵押的10万元贷款，基准利率，月供3000元，3年还清。期望能对你有用

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