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多地松绑公积金政策 合肥楼盘纷纷表省钱

2012-06-05 09:07:21       浏览次数:   我要评论()
摘要: 2011年下半年之后,各地楼市新政策不断出台,仅松绑公积金贷款就曾被动用过十余次,其中也包括合肥。

    2011年下半年之后,各地楼市新政策不断出台,仅松绑公积金贷款就曾被动用过十余次,其中也包括合肥。 



    去年11月底,合肥市住房公积金管理中心发布《关于调整住房公积金贷款政策的通知》,决定自2011年12月1日起,将合肥市住房公积金个人住房贷款最高限额调整如下:借款人及配偶均按规定正常缴存住房公积金的,最高贷款额度调整至45万元;借款人单方按规定缴存住房公积金的,最高贷款额度调整至35万元。 



    半年时间过去,厦门、济南、重庆,及同为中部六省会城市的郑州、南昌、武汉等也先后在住房公积金特别是针对首套房出台了一系列相关政策。与此同时,合肥陆陆续续推出不同的政策来方便市民申请住房公积金贷款,比如贷款独立核算模式的启动,市民申请提前还贷不用去银行了。

    据了解,住房公积金贷款目前主要是省直或市直公积金管理分中心运用归集的住房公积金委托合肥市住房公积金管理委员会指定的商业银行(以下简称受委托银行),向符合住房公积金贷款条件购买自住房的职工发放的政策性贷款,对于可申请住房公积金贷款的市民来说,意义最大莫过于“省钱”。 



    其中最明显的一点就是在申请住房贷款之时,如果是公积金贷款1—5年利率为4.45%、6—20年利率为4.9%,而走商业贷款的利率则为7.05%,也就是首套房贷款现行的基准利率。 



    也就是说,同样是首套房,贷款50万,期限为20年,公积金的话每个月的等额还款为3272.22元,还款总额约为78.5万。同样条件下,商业贷款则需每月还款3891.52元,还款总额超过93万。 



    同时,虽然上面已经提到公积金贷款额度的上限,但具体的贷款额度仍然要根据单位所上报的公积金返还基数来定。具体公式为:借款人具体贷款额度=借款人夫妻双方计缴住房公积金月工资收入之和×12(月)×还款能力系数×实际可贷年限。还款能力系数是指“家庭月还款额不能超过月收入的50%”,即0.5。 



    目前合肥市场上已有数十家楼盘接受公积金贷款,其中不乏最近才加入这一行列的,比如华润橡树湾,目前已经可以通过徽行申请公积金贷款购房,中海原山(新房中心 业主社区)、安粮城市广场(新房中心 业主社区)、沃野广场等则早已可以申请公积金贷款

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org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:293) at org.apache.coyote.http11.Http11Processor.process(Http11Processor.java:861) at org.apache.coyote.http11.Http11Protocol$Http11ConnectionHandler.process(Http11Protocol.java:606) at org.apache.tomcat.util.net.JIoEndpoint$Worker.run(JIoEndpoint.java:489) at java.lang.Thread.run(Thread.java:662) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor468.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:25) at java.lang.reflect.Method.invoke(Method.java:597) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:840) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:276) at freemarker.ext.beans.BeanModel.get(BeanModel.java:183) ... 45 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [sufei.zggjj.cms.entity.main.CmsUser#3765] at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:419) at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:154) at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:143) at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:174) at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190) at sufei.zggjj.cms.entity.main.CmsUser_$$_javassist_39.getUsername(CmsUser_$$_javassist_39.java) ... 51 more