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精装房贷款首付一般是几成？

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精装房贷款首付一般是几成？

浏览：94次 | 提问时间： 08-06 09:07

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3个答案

如何說離開 08-06 09:08

精装房贷款第一套公积金贷款,最低首付20%,贷款80%。一个人的公积金可贷额度只要是看他公积金账户中的余额。如按最低标准缴纳,则最高可贷30万(但不能超过房屋总价的80%)。33平米的房子,交的最多的就算契税了(按房屋成交价的1%缴纳),其他都只是几百元的小钱了。

半生浮名 08-06 09:16

你好，如果你买的是一手房，直接从开发商贷款，需要付房屋总房款的30%，比如90万的房子，你需要付30万的首付。如果你买的是二手房，首付是付“银行评估值”的30%，   一般买二手房，首付款是房屋总价的45%左右。如果是名下二套住宅的话，首付需要付60%的。

祈求一份安守 08-06 09:25

实际上1.如果是首套购房，商业贷款的首付比例是20%。不过这还要参考所购房屋的面积和单价，房子面积90平以里、单价不超过1万的房子可以按这个比例贷款。2.现在有的银行提出首付20%，利率下浮15%;首付30%，利率下浮20%。银行现在就是希望能提高首付款比例。

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