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谁知道公积金贷款装修能贷多少

谁知道公积金贷款装修能贷多少

浏览：48次 | 提问时间： 08-05 11:42

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4个答案

吻别 08-05 11:43

一、公积金装修贷款是使用公积金贷款用于房屋装修，享用公积金贷款利率的一种贷款福利。个人住房公积金贷款的最高限额一般不超过20万元。超过20万元的由中心审贷委员会审批。一般以借款人月还款额不超过其家庭收入的50%的比例确定贷款额（但还款能力强的,条件可适当放宽）。二、公积金装修贷款申请条件：(1)申请贷款前六个月正常连续缴存本市住房公积金;(2)具有完全民事责任能力,具有本市城镇常住户口或蓝印户口(非农业);(3)具有稳定的经济收入和偿还贷款本息的能力;(4)借款人必须是大(装)修住房的产权人,与正规的装修公司签订工程实施合同;(5)借款申请人的配偶、同户直系血亲作为住房公积金共同借款人可以参与公积贷款额度计算。(6)抵押物为借款人实施个*(装)修的自住住房,并拥有个人完全产权。嘻嘻

久觅良人 08-05 11:52

公积金装修贷款能贷款个人30-40万左右，夫*双方50-70万左右，公积金贷款流程：贷款条件　　贷款对象为有完全民事行为能力的自然人。　　具有城镇常住户口或有效居留身份，即要求借款人有合法的身份。　　有稳定的职业和收入，信用良好，有偿还贷款本息的能力。　　有符合法律规定的购房、建房、大修自住住房的合同（协议）及有关材料。　　借款人及配偶均无尚未还清的住房公积金贷款或住房公积金政策性贴息贷款。　　提供住房公积金管理中心认可的担保方式。　　住房公积金管理中心规定的其他条件。以上个人意见，供您参考。

陪我终 08-05 12:00

你可以根据一下公式具体计算自己最高可贷额度。2013年公积金利率：6个月为4.0% 1-5年（含）为4.0% 5-30年为4.5% 公积金贷款额度计算公式：计算本人及共同申请人的月收入：月收入

怨青颜染风霜 08-05 12:08

个人住房公积金月缴存额÷住房公积金缴存比例；计算最高可贷款额度：家庭月收入扣除至少400元的生活费后所剩余额，再除以申请贷款年限的每万元贷款月均还款额的所得即为最高可贷款额度。

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