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哪位知道绍兴装修贷款额度是怎么计算的？

哪位知道绍兴装修贷款额度是怎么计算的？

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威猛的小平胸 08-06 11:46

绍兴装修贷款额度 1、住房公积金个人住房贷款额度提高:单职工缴交住房公积金的，住房公积金个人住房贷款最高可贷额度由原30万元提高到40万元;双职工均缴交住房公积金的，住房公积金个人住房贷款最高可贷额度由原60万元提高到80万元。可贷额度的计算公式:由原按职工申请贷款时前12个月住房公积金缴交额的60倍提高到80倍。　2、双职工均缴交住房公积金的，住房公积金个人住房贷款最高可贷额度由原60万元提高到80万元;商业性住房贷款转住房公积金个人住房贷款办理将更加方便。 3.其次，住房公积金贷款额度最高不超过房款总额的70%;住房公积金贷款额度公式：借款申请人及配偶公积金个人月缴存额之和÷实际缴存比例 ×12(月)×0.45(还款能力系数)×贷款期限(最长可贷年限)若夫*双方缴存比例不一致的，按比例较高的一方确定实际缴存比例。不高于按借款申请人及配偶还款能力确定的贷款限额。申请公积金贷款还应满足月还款/月收入不大于50%(其中：月还款包括已有负债和本次负债每月还款之和)。

回梦 08-06 11:54

以一户家庭最高可申请公积金贷款60万元为例，假设贷款期限为20年，选择等额本息的还款方式，按照调整前贷款利率计算，这户家庭每月需还款3795.9元，本息合计91.1万元。而调整后，月还款额为3715.41元，本息合计89.17万元。每月可节省80.5元，共计可节省近2万元。

吟游诗人 08-06 12:03

计算还是比较简单的，你需要额度根据你装修金额来计算，同时要根据抵押物价值的一定比例来测算，比如你的房屋价值50万，银行通常最高按照60％左右的比例（不同银行比例不同）给予贷款30万元，所以绍兴装修贷款额度还是比较简单的计算的。

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