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新房和二手房公积金贷款有区别吗
释义
法律分析:
新房和二手房公积金贷款有区别,新房使用住房公积金贷款购买一手房贷款总额不得超过所购住房价款的70%;二手房贷款比例是按房屋竣工年限计算的,房屋竣工使用年限为五年内的贷款比例不高于存量房核准价的60%。
法律依据:
《住房公积金管理条例》 第六条 住房公积金的存、贷利率由中国人民银行提出,经征求国务院建设行政主管部门的意见后,报国务院批准。
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更新时间:2025/1/31 3:17:07