北京公积金贷款可以超过房子总价吗?
提问者 :
彭就
时间 :
2012-10-26 14:16
所属分类 :
买房-贷款办理-首付
回答详情
共有4个回答
-
徐娘星
花样年别样城
2014-12-02 09:09
-
张洋
不是的，应该是按照所拆住房面积来分房的。
2014-09-25 17:53
-
龙霖
都可以啊这么操作
2014-02-28 20:39
-
灵剑江湖
你这个方案是不可行的。因为住房公积金贷款额度包括可贷款额度和最高额度。虽然最高额度北京可以达到80W,但是北京市同时也规定了贷款额度必须同时符合下列条件和规定: 1、可贷额度=职工夫妻双方计算公积金的月工资总额之和×12个月×35%×贷款年限; 2、贷款额度不超过拟购建住房总价额的70%; 3、单方职工贷款额度一般不超过拟购建住房总价额的50%; 4、按贷款总额计算的月还款额,不超过职工家庭月收入的45%; 5、贷款额度不超过夫妻双方退休年龄内应缴纳的住房公积金总额的2倍;
2012-10-26 14:17
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