收藏！九江公积金贷款问答汇总！买房人必看！
<section style="font-size: 16px;" data-mpa-powered-by="yiban.io"><section style="text-align: justify;line-height: 2em;"><strong><span style="font-size: 14px;">我用公积金贷款买房，可以贷多少钱？</span><span style="font-size: 14px;">公积金贷款利率是多少？</span></strong><span style="font-size: 14px;">很多买房人</span><span style="font-size: 14px;">在进行公积金贷款和使用时一头雾水！</span></section><p style="text-align: center;"></p><section style="margin-top: 20px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;transform: translate3d(10px, 0px, 0px);"><section style="outline: 0px;display: inline-block;vertical-align: top;"><section style="margin-bottom: -6px;padding-right: 10px;padding-left: 10px;outline: 0px;line-height: 2;font-size: 18px;color: rgb(56, 56, 56);"><p style="vertical-align: inherit;outline: 0px;"><span style="font-size: 15px;"><strong style="outline: 0px;"><span style="outline: 0px;">针对这些问题</span></strong></span></p><p style="vertical-align: inherit;outline: 0px;"><span style="font-size: 15px;"><strong style="outline: 0px;"><span style="font-size: 15px;outline: 0px;">我整理了一份回答，一起来看</span></strong></span></p></section><section style="outline: 0px;width: 228px;height: 10px;background-color: rgb(204, 223, 237);"><section style="outline: 0px;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;"><section style="outline: 0px;display: inline-block;width: 100%;vertical-align: top;"><section style="margin-top: 10px;outline: 0px;text-align: center;line-height: 0.8;"><section style="outline: 0px;width: 0px;display: inline-block;border-top: 0.8em solid rgb(104, 159, 197);border-left: 0.7em solid transparent !important;border-right: 0.7em solid transparent !important;"><section style="outline: 0px;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section><section style="margin-bottom: 10px;outline: 0px;text-align: center;line-height: 0.8;font-size: 8px;"><section style="outline: 0px;width: 0px;display: inline-block;border-top: 0.8em solid rgb(171, 211, 224);border-left: 0.7em solid transparent !important;border-right: 0.7em solid transparent !important;"><section style="outline: 0px;"><svg viewbox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;"></svg></section></section></section></section></section><section style="outline: 0px;text-align: center;justify-content: center;"><section style="outline: 0px;display: inline-block;width: 100%;vertical-align: top;height: auto;background-color: rgb(255, 255, 254);border-style: solid;border-width: 1px;border-color: rgb(135, 178, 212);"><section style="margin-top: 20px;margin-bottom: 7px;outline: 0px;"><section style="margin-right: auto;margin-left: auto;outline: 0px;background-color: rgb(104, 159, 197);display: inline-block;width: 2.5em;height: 2.5em;line-height: 2.5em;border-radius: 100%;color: rgb(255, 255, 240);"><p style="vertical-align: inherit;outline: 0px;"><strong style="outline: 0px;">01</strong></p></section></section><section style="margin-bottom: 10px;outline: 0px;"><section style="padding-right: 20px;padding-left: 20px;outline: 0px;text-align: justify;color: rgb(104, 159, 197);line-height: 2;font-family: Optima-Regular, PingFangTC-light;"><p style="vertical-align: inherit;outline: 0px;"><span style="font-size: 15px;"><strong style="outline: 0px;"><span style="font-size: 15px;outline: 0px;font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">公积金要交多久才能使用公积金贷款？</span></strong></span></p></section></section><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;"><section style="padding-right: 15px;padding-left: 15px;outline: 0px;font-size: 15px;color: rgba(0, 0, 0, 0.62);text-align: justify;line-height: 2;"><p style="vertical-align: inherit;outline: 0px;"><span style="font-size: 14px;"><span style="color: rgb(0, 0, 0);"><strong style="outline: 0px;">答</strong>：九江要求</span><span style="color: rgb(217, 33, 66);">至少连续交6个月以上</span><span style="color: rgb(0, 0, 0);">，才有贷款资格。但这仅仅是资格，想要贷款额度更高，至少要交1-2年。</span></span></p><p style="vertical-align: inherit;outline: 0px;"><span style="color: rgb(0, 0, 0);font-size: 14px;">曾在异地缴存住房公积金，但在我市缴存不满6个月的，如将原缴存地住房公积金缴存余额转入我市公积金中心，缴存时间可根据原缴存地住房公积金管理中心证明合并计算。</span></p><p style="vertical-align: inherit;outline: 0px;"><span style="color: rgb(0, 0, 0);"><br/></span></p></section></section></section></section><section style="outline: 0px;"></section><section style="outline: 0px;text-align: center;justify-content: center;"><section style="outline: 0px;display: inline-block;width: 100%;vertical-align: top;height: auto;background-color: rgb(255, 255, 254);border-style: solid;border-width: 1px;border-color: rgb(135, 178, 212);"><section style="margin-top: 20px;margin-bottom: 7px;outline: 0px;"><section style="margin-right: auto;margin-left: auto;outline: 0px;background-color: rgb(104, 159, 197);display: inline-block;width: 2.5em;height: 2.5em;line-height: 2.5em;border-radius: 100%;color: rgb(255, 255, 240);"><p style="vertical-align: inherit;outline: 0px;"><strong style="outline: 0px;">02</strong></p></section></section><section style="margin-bottom: 10px;outline: 0px;"><section style="padding-right: 20px;padding-left: 20px;outline: 0px;text-align: justify;color: rgb(104, 159, 197);line-height: 2;font-family: Optima-Regular, PingFangTC-light;"><p style="vertical-align: inherit;outline: 0px;"><span style="font-size: 15px;"><strong style="outline: 0px;"><span style="font-size: 15px;outline: 0px;font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">九江公积金最高能贷多少？有什么要求？</span></strong></span><br style="outline: 0px;"/></p></section></section><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;"><section style="padding-right: 15px;padding-left: 15px;outline: 0px;text-align: justify;font-size: 15px;color: rgba(0, 0, 0, 0.62);line-height: 2;"><p style="vertical-align: inherit;outline: 0px;text-align: justify;"><span style="color: rgb(0, 0, 0);"><strong style="outline: 0px;"><br/></strong></span></p><p style="vertical-align: inherit;outline: 0px;text-align: justify;"><span style="font-size: 14px;"><span style="color: rgb(0, 0, 0);"><strong style="outline: 0px;">答</strong>：<strong>在中心城区</strong></span><span style="color: rgb(136, 136, 136);">（<span style="background-color: rgb(255, 255, 254);">浔阳区、濂溪区、开发区、八里湖新区、柴桑区</span>）</span><span style="color: rgb(0, 0, 0);">购房的，住房公积金贷款最高限额为：夫妻双方均缴存住房公积金的家庭</span><span style="color: rgb(217, 33, 66);">40万元/户</span><span style="color: rgb(0, 0, 0);">、夫妻一方缴存住房公积金的家庭</span><span style="color: rgb(217, 33, 66);">30万元/户</span><span style="color: rgb(0, 0, 0);">。</span></span></p><p style="vertical-align: inherit;outline: 0px;text-align: justify;"><span style="font-size: 14px;"><strong><span style="color: rgb(0, 0, 0);">在各县</span><span style="color: rgb(136, 136, 136);">(市)</span><span style="color: rgb(0, 0, 0);">购房的，</span></strong><span style="color: rgb(0, 0, 0);">住房公积金贷款最高限额为：夫妻双方均缴存住房公积金的家庭</span><span style="color: rgb(217, 33, 66);">35万元/户</span><span style="color: rgb(0, 0, 0);">、夫妻一方缴存住房公积金的家庭</span><span style="color: rgb(217, 33, 66);">25万元/户</span><span style="color: rgb(0, 0, 0);">。</span></span></p><p style="vertical-align: inherit;outline: 0px;text-align: justify;"><span style="font-size: 14px;"><strong><span style="font-size: 14px;color: rgb(0, 0, 0);">住房公积金可贷额度按借款人及其配偶缴存余额之和的15倍计算，</span></strong><span style="font-size: 14px;color: rgb(0, 0, 0);">可贷额度计算低于15万元的，可按15万元确定。具体可贷额度同时根据职工所购住房的状况和价格、个人还款能力和信用状况等因素综合确定。</span></span></p></section></section></section></section><section style="outline: 0px;"></section><section style="outline: 0px;text-align: center;justify-content: center;"><section style="outline: 0px;display: inline-block;width: 100%;vertical-align: top;height: auto;background-color: rgb(255, 255, 254);border-style: solid;border-width: 1px;border-color: rgb(135, 178, 212);"><section style="margin-top: 20px;margin-bottom: 7px;outline: 0px;"><section style="margin-right: auto;margin-left: auto;outline: 0px;background-color: rgb(104, 159, 197);display: inline-block;width: 2.5em;height: 2.5em;line-height: 2.5em;border-radius: 100%;color: rgb(255, 255, 240);"><p style="vertical-align: inherit;outline: 0px;"><strong style="outline: 0px;">03</strong></p></section></section><section style="margin-bottom: 10px;outline: 0px;"><section style="padding-right: 20px;padding-left: 20px;outline: 0px;text-align: justify;color: rgb(104, 159, 197);line-height: 2;font-family: Optima-Regular, PingFangTC-light;"><p style="vertical-align: inherit;outline: 0px;"><span style="outline: 0px;font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 15px;"><strong style="outline: 0px;">公积金贷款首付要付多少？</strong></span><br style="outline: 0px;"/></p></section></section><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;"><section style="padding-right: 15px;padding-left: 15px;outline: 0px;text-align: justify;font-size: 15px;color: rgba(0, 0, 0, 0.62);line-height: 2;"><p style="vertical-align: inherit;outline: 0px;text-align: justify;"><span style="color: rgb(0, 0, 0);"><strong style="outline: 0px;"></strong></span></p><p style="vertical-align: inherit;outline: 0px;text-align: justify;"><span style="font-size: 14px;"><span style="font-size: 14px;color: rgb(0, 0, 0);"><strong style="outline: 0px;">答</strong>：申请住房公积金贷款购房，首付款(自筹资金)支付比例<strong>不低于房屋总价的20%，</strong>对商品住宅库存消化周期为6-12(含)个月的市县，对已结清首套住房公积金贷款的缴存职工家庭，为改善居住条件，再次申请</span><span style="font-size: 14px;color: rgb(217, 33, 66);">第二套住房公积金贷款购买普通自住住房的，最低首付比例提高为40%。</span></span></p><p style="vertical-align: inherit;outline: 0px;text-align: justify;"><span style="color: rgb(217, 33, 66);"><br/></span></p></section></section></section></section><section style="outline: 0px;"></section><section style="outline: 0px;text-align: center;justify-content: center;"><section style="outline: 0px;display: inline-block;width: 100%;vertical-align: top;height: auto;background-color: rgb(255, 255, 254);border-style: solid;border-width: 1px;border-color: rgb(135, 178, 212);"><section style="margin-top: 20px;margin-bottom: 7px;outline: 0px;"><section style="margin-right: auto;margin-left: auto;outline: 0px;background-color: rgb(104, 159, 197);display: inline-block;width: 2.5em;height: 2.5em;line-height: 2.5em;border-radius: 100%;color: rgb(255, 255, 240);"><p style="vertical-align: inherit;outline: 0px;"><strong style="outline: 0px;">04</strong></p></section></section><section style="margin-bottom: 10px;outline: 0px;"><section style="padding-right: 20px;padding-left: 20px;outline: 0px;text-align: justify;color: rgb(104, 159, 197);line-height: 2;font-family: Optima-Regular, PingFangTC-light;"><p style="vertical-align: inherit;outline: 0px;"><span style="font-size: 15px;"><strong style="outline: 0px;"><span style="font-size: 15px;outline: 0px;font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">公积金贷款利率是多少？</span></strong></span><br style="outline: 0px;"/></p></section></section><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;"><section style="padding-right: 15px;padding-left: 15px;outline: 0px;text-align: justify;font-size: 15px;color: rgba(0, 0, 0, 0.62);line-height: 2;"><p style="vertical-align: inherit;outline: 0px;"><span style="color: rgb(0, 0, 0);"><strong style="outline: 0px;"><br/></strong></span></p><p style="vertical-align: inherit;outline: 0px;"><span style="font-size: 14px;"><span style="font-size: 14px;color: rgb(0, 0, 0);"><strong style="outline: 0px;">答</strong>：1-5年的贷款年利率为2.75%，6-30年的贷款年利率为</span><span style="font-size: 14px;color: rgb(217, 33, 66);">3.25%。</span></span></p><p style="vertical-align: inherit;outline: 0px;"><span style="color: rgb(217, 33, 66);"><br/></span></p></section></section></section></section><section style="outline: 0px;"></section><section style="outline: 0px;text-align: center;justify-content: center;"><section style="outline: 0px;display: inline-block;width: 100%;vertical-align: top;height: auto;background-color: rgb(255, 255, 254);border-style: solid;border-width: 1px;border-color: rgb(135, 178, 212);"><section style="margin-top: 20px;margin-bottom: 7px;outline: 0px;"><section style="margin-right: auto;margin-left: auto;outline: 0px;background-color: rgb(104, 159, 197);display: inline-block;width: 2.5em;height: 2.5em;line-height: 2.5em;border-radius: 100%;color: rgb(255, 255, 240);"><p style="vertical-align: inherit;outline: 0px;"><strong style="outline: 0px;">05</strong></p></section></section><section style="margin-bottom: 10px;outline: 0px;"><section style="padding-right: 20px;padding-left: 20px;outline: 0px;text-align: justify;color: rgb(104, 159, 197);line-height: 2;font-family: Optima-Regular, PingFangTC-light;"><p style="vertical-align: inherit;outline: 0px;"><span style="outline: 0px;font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 15px;"><strong style="outline: 0px;">买房贷款，公积金贷款比商业贷款省多少钱？</strong></span><br style="outline: 0px;"/></p></section></section><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;"><section style="padding-right: 15px;padding-left: 15px;outline: 0px;text-align: justify;font-size: 15px;color: rgba(0, 0, 0, 0.62);line-height: 2;"><p style="vertical-align: inherit;outline: 0px;text-align: justify;"><span style="color: rgb(0, 0, 0);"><strong style="outline: 0px;"><br/></strong></span></p><p style="vertical-align: inherit;outline: 0px;text-align: justify;"><span style="font-size: 14px;"><span style="font-size: 14px;color: rgb(0, 0, 0);"><strong style="outline: 0px;">答</strong>：目前九江公积金贷款利率为3.25％，商贷为6.125％。按公积金贷款最高额度贷款40万，贷款30年来算，</span><span style="font-size: 14px;color: rgb(217, 33, 66);">公积金贷款总利息能比商贷少25万左右，月供可以少700左右。</span></span></p><p style="vertical-align: inherit;outline: 0px;text-align: justify;"><span style="font-size: 14px;"><span style="font-size: 14px;color: rgb(217, 33, 66);"><br/></span></span></p></section></section></section></section><section data-role="paragraph"></section><section mpa-from-tpl="t" style="max-width: 100%;white-space: normal;outline: 0px;font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;color: rgb(53, 53, 53);text-align: start;caret-color: rgba(0, 0, 0, 0);font-size: 16px;background-color: rgb(255, 255, 255);overflow-wrap: break-word !important;box-sizing: border-box !important;"><section data-mid="" mpa-from-tpl="t" style="max-width: 100%;outline: 0px;overflow-wrap: break-word !important;box-sizing: border-box !important;"><section data-mid="" mpa-from-tpl="t" style="max-width: 100%;outline: 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