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大连公积金装修贷款额度高是多少？

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大连公积金装修贷款额度高是多少？

浏览：25次 | 提问时间： 08-10 08:45

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6个答案

悔不该当初 08-10 08:46

2012年10月1日起大连公积金贷款额度即将上调，市内四区个人公积金贷款额度由原来的40万上调至45万，夫*双人贷款额度由60万上调至70万，其他地区个人公积金贷款额度33万，夫*双人贷款额度58万。

另外在首付款和贷款利率方面政策没有调整，购买商品房首套房面积在90平以下的，使用公积金贷款首付两成，其余三成；购买二手房90平以内并且房龄在5年以下的使用公积金贷款首付三成，其他不满足条件的首付四成。

个人住房公积金贷款利率，首套房执行基准利率，五年期以下（含五年）贷款为4.2%；五年期以上贷款利率为4.70%。二套房执行基准利率上浮1.1倍。

别摆战斗脸 08-10 08:55

住房公积金实际贷款额度取下面第1项、第2项计算所得的最低值。



　　一、按月工资总额计算的贷款额度。



　　借款人及其配偶月工资总额之和×A×12个月×贷款年限。



　　A为职工个人还贷款系数。还贷能力系数按贷款期限1至5年、6至10年、11至15年，分别为借款人及其配偶月工资总额的30%、35%、40%。月工资总额由借款人及其配偶上年每月缴存公积金的月工资总额确定。



　　二、按房屋造价计算的最高贷款额度。



　　1、职工购买商品房或经济适用住房的最高贷款额度

装A装C不装B 08-10 09:03

房价×70%；



　　2、购买现住房的最高贷款额度

你是狗牵着骚人走 08-10 09:11

房价×50%；



　　3、自建住房的最高贷款额度

想念是一种病盗心人 08-10 09:20

房价×70%；



　　4、大修自有住房的最高贷款额度

我不美不萌所以你不爱 08-10 09:28

所需费用×50%。

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