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南京公积金装修贷款额度有没有上限？

南京公积金装修贷款额度有没有上限？

浏览：43次 | 提问时间： 08-07 03:00

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有種年輕叫衰老 08-07 03:01

公积金贷款可贷额度每个城市都有不同的规定。首先要看您的公积金余额，然后以一定的倍数放款，其次还要综合您的还贷能力等。以深圳为例，可贷额度有如下规定：公积金贷款可贷额度为申请人和共同申请人住房公积金账户余额的12倍，并应当同时符合下列要求：1．每月还贷额度（按等额本息还款法计算的本金和利息）不超过申请人住房公积金缴存基数的50%。有共同申请人且共同申请人在本市缴存住房公积金的，住房公积金缴存基数为申请人和共同申请人缴存基数之和（父母可作为共同申请人）。2．不高于购房总价款与首付款的差额。所购住房为存量商品住房（二手房）的，应由申请人委托公积金中心认可的房地产评估机构进行价值评估，取购房合同价与评估价的低值作为购房总价款。评估费用由申请人承担。职工购买首套房房屋面积在90平方米（含90平方米）以下首付款比例不低于购房总价款的20%；首套住房面积在90平方米以上的，首付款比例不低于购房总价的30%，购买第二套住房首付款比例不低于购房总价款的60%。购买第三套住房不能办理公积金贷款。（组合贷款商贷按商业银行政策处理）3．不高于单套住房公积金贷款最高额度。职工个人申请的，单套住房公积金贷款最高额度为50万元，申请人与共同申请人一并申请，且共同申请人共同参与额度计算的，单套住房公积金贷款最高额度为90万元（如申请人的配偶没有缴存公积金或连续缴存公积金不足六个月只能做为共同申请人，则贷款最高额度为50万元）。4．申请人在申请公积金贷款前连续三年以上未曾提取住房公积金的，按照住房公积金账户余额倍数计算的公积金贷款可贷额度可以提高10%，但应符合前款规定的其他要求（以中心审批为准）。

忘记 08-07 03:09

南京公积金装修贷款额度有没有上限推荐给你的是；在南京，办理公积金装修贷款需要借款者具备一些基本的条件和提供相关材料（比如，暂住证、房屋*契约）。具体如下1、有南京市城镇常住户口或由南京市*机关出具的“暂住证”。2、所在单位公积金新开户不足6个月的，单位连续欠缴公积金超过3个月的，办理缓缴手续1年及1年以上的，不予贷款。3、委托人事代理机构代为扣缴公积金的职工，在申请贷款时须凭人事代理机构出具的连续缴存半年以上的《缴存证明》，到管理中心办理贷前审批手续。4、借款人配偶方若在省级机关分中心、铁路分中心、省监狱管理部、华东石油管理部缴存公积金的，在申请贷款时须凭公积金缴存银行出具的《公积金缴存证明》，方可按夫*双方可贷额度办理。5、有合法有效的房屋《*契约》。6、购买贷款产品房、公有住房、集资建房和经济适用住房的，有许多于购房总价20%的《付款收据》；购买二手房的，有许多于购房总价30%的《付款收据》。7、有稳定的经济收入和偿还贷款本息的能力。8、同意用所购房产作为抵押，且所购贷款产品房、经济适用住房、集资建房均须与市住房公积金管理中心签订《按揭协议书》。9、提供可以在处置抵押物时接纳抵押人居住和安置的承诺书。10、同意办理有关公证和抵押手续。

BOOM 08-07 03:17

是有上限的，南京市公积金贷款最高额度由20万元/人、40万元/户，恢复为30万元/人、60万元/户。夫*双方及未成年子女卖掉名下唯一房产再次购房，或者是原人均住房建筑面积小于市人均面积（32平方米）的，可申请公积金贷款。

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