数据报告

粤港澳大湾区公积金买房省多少？用数据告诉你真相！

2019-06-22 17:49 乐有家研究中心乐有家研究中心

公积金

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<section data-role="outer" label="Powered by 135editor.com" style="font-size: 16px;"><section data-role="outer" label="Powered by 135editor.com"><section class="_135editor" data-tools="135编辑器" data-id="90102" data-color="#fcb42b"><section class="135brush" data-style="margin: 20px 0;font-size:16px;color:rgb(51,51,51);" style="padding: 10px; background-repeat: repeat; background-position: center center; background-image: url("https://mpt.135editor.com/mmbiz_png/fgnkxfGnnkTdJTQiaibicRYEn8lFak5AzngMdcdxZFcufNq4JibQe8G8xgM7XYSgfgI0DjGl6t6adxyIvMQNicFxibicA/0?wx_fmt=png");"><section class="_135editor" data-tools="135编辑器" data-id="93131" data-color="#fcb42b"><section data-role="paragraph" class="_135editor" style="border: 0px none;" data-color="#fcb42b"><section style="margin: 15px;white-space: normal;"><section style="line-height: 10px; color: inherit; border-top: 1px solid rgb(252, 180, 43); border-bottom: 1px solid rgb(252, 180, 43); margin-top: 10px;"><section style="font-size:40px;color:inherit;height:8px;margin-left:35%;width:65%;background-color:#fefefe;margin-top:-1px;" data-width="65%"><span style="color: #fcb42b;">“</span></section><section style="margin: 5px 15px 20px;text-align:justify;"><section class="135brush" style="line-height: 1.75em;color: #595959;font-size: 14px;letter-spacing: 1.5px;"><p>很多购房者都知道使用公积金贷款可以节省购房成本，但是关于公积金贷款政策及它的真实影响力却不甚了解，心中一大堆疑惑：公积金可以贷多少钱，贷款利率和年限是多少，究竟能为我省多少钱？今天，乐有家就聚焦粤港澳大湾区9城住房公积金贷款，用实际数据告诉大家“真相”！</p></section></section><section style="font-size: 40px;background-color: #fefefe;color: inherit;text-align: right;height: 10px;margin-bottom: -8px;width: 65%;" data-width="65%"><span style="color: #fcb42b;">”</span></section></section></section></section></section><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: justify;"><br/></p><section class="_135editor" data-tools="135编辑器" data-id="93899"><section style="text-align: center;"><section style="display: flex;justify-content:center;align-items: center;"><section style="width: 20%;height: 1px;background:#333;" data-width="20%"></section><section style="width: 6px; height: 6px; background: rgb(51, 51, 51); border-radius: 100%; margin-left: 4px;"></section><section class="135brush" data-brushtype="text" style="color: rgb(51, 51, 51); padding-right: 10px; padding-left: 10px; line-height: 35px; font-size: 14px; letter-spacing: 1px; font-weight: bold;"><span style="font-size: 15px;">干货</span></section><section style="width: 6px; height: 6px; background: rgb(51, 51, 51); border-radius: 100%;"></section><section style="width: 20%;height: 1px;background:#333;margin-left: 4px;" data-width="20%"></section></section><section style="display: inline-block;"><section style="display: inline-block;"><section class="135brush" data-brushtype="text" style="padding-right: 4px; padding-left: 4px; font-weight: bold; letter-spacing: 1.5px; color: rgb(51, 51, 51);"><span style="font-size: 15px;">粤港澳大湾区9城公积金贷款政策</span></section><section style="width: 100%;height: 8px;background: #fbba1f;margin-top:-8px;" data-width="100%"></section></section></section></section></section><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: justify;"><span style="font-size: 15px;">首先，让我们来回顾一下粤港澳大湾区9城公积金贷款政策。粤港澳大湾区9城中，公积金贷款限额最高的是东莞，购买首套房家庭共同申请公积金贷款最高可贷120万；广州、深圳作为一线城市，目前房价相对较高，但公积金贷款限额并未占据领先地位，购买首套房家庭共同申请公积金贷款最高分别可贷100万和90万。贷款年限方面，大部分城市最长贷款年限为30年。</span></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><strong><span style="font-size: 12px;"><img src="/ueditor/jsp/upload/image/20190622/1561196431398001749.png" data-ratio="1" alt="深圳.png"/></span></strong></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><strong><span style="font-size: 12px;"><img src="/ueditor/jsp/upload/image/20190622/1561196431476042245.png" data-ratio="1" alt="东莞.png"/></span></strong></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><strong><span style="font-size: 12px;"><img src="/ueditor/jsp/upload/image/20190622/1561196431578048149.png" data-ratio="1" alt="惠州.png"/></span></strong></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><strong><span style="font-size: 12px;"><img src="/ueditor/jsp/upload/image/20190622/1561196431718063233.png" data-ratio="1" alt="广州.png"/></span></strong></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><strong><span style="font-size: 12px;"><img src="/ueditor/jsp/upload/image/20190622/1561196431842098714.png" data-ratio="1" alt="佛山.png"/></span></strong></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><strong><span style="font-size: 12px;"><img src="/ueditor/jsp/upload/image/20190622/1561196431925005516.png" data-ratio="1" alt="肇庆.png"/></span></strong></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><strong><span style="font-size: 12px;"><img src="/ueditor/jsp/upload/image/20190622/1561196432202046710.png" data-ratio="1" alt="中山.png"/></span></strong></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><strong><span style="font-size: 12px;"><img src="/ueditor/jsp/upload/image/20190622/1561196432403056117.png" data-ratio="1" alt="珠海.png"/></span></strong></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><strong><span style="font-size: 12px;"><img src="/ueditor/jsp/upload/image/20190622/1561196432498019042.png" data-ratio="1" alt="江门.png"/></span></strong></p><section data-role="paragraph" class="_135editor"><p><br/></p></section><section class="_135editor" data-tools="135编辑器" data-id="93899"><section style="text-align: center;"><section style="display: flex;justify-content:center;align-items: center;"><section style="width: 20%;height: 1px;background:#333;" data-width="20%"></section><section style="width: 6px; height: 6px; background: rgb(51, 51, 51); border-radius: 100%; margin-left: 4px;"></section><section class="135brush" data-brushtype="text" style="color: rgb(51, 51, 51); padding-right: 10px; padding-left: 10px; line-height: 35px; font-size: 14px; letter-spacing: 1px; font-weight: bold;"><span style="font-size: 15px;">真相</span></section><section style="width: 6px; height: 6px; background: rgb(51, 51, 51); border-radius: 100%;"></section><section style="width: 20%;height: 1px;background:#333;margin-left: 4px;" data-width="20%"></section></section><section style="display: inline-block;"><section style="display: inline-block;"><section class="135brush" data-brushtype="text" style="padding-right: 4px; padding-left: 4px; font-weight: bold; letter-spacing: 1.5px; color: rgb(51, 51, 51);"><span style="font-size: 15px;">粤港澳大湾区9城公积金贷款影响力</span></section><section style="width: 100%;height: 8px;background: #fbba1f;margin-top:-8px;" data-width="100%"></section></section></section></section></section><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: justify;"><span style="font-size: 15px;">在实际购房过程中，房屋价值、贷款金额、贷款利率等众多因素都会影响你使用公积金贷款最终能够节省的利息。在此，我们统一以购买首套90㎡的新建商品住房来进行测算，假设能够申请到所在城市最大公积金贷款额度，各城市政策下能够节省的利息就一目了然了。东莞、广州、佛山为节省利息前三强城市！</span></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><span style="font-size: 12px;"><strong><img src="/ueditor/jsp/upload/image/20190622/1561196432604058985.png" data-ratio="0.5675675675675675" alt="图片1.png" data-op="change" title="图片1.png"/></strong></span></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: justify;"><span style="font-size: 15px;">由于不同城市房价差异，部分城市采取纯公积金贷即可满足购房七成贷款的需求，例如佛山和肇庆。而深圳因房价相对较高，组合贷款过程中，公积金贷款所能满足的贷款额需求就相对要偏低了。</span></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><span style="font-size: 12px;"><strong><img src="/ueditor/jsp/upload/image/20190622/1561196432735018248.png" data-ratio="1" alt="图片2.png"/></strong></span></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: justify;"><span style="font-size: 15px;">那么，各城市公积金贷款的影响力究竟有多大呢，通过下面这组数据就更加清晰了。虽然肇庆公积金贷款限额不是最高的，但由于房屋总价相对较低，商贷利率较高，在肇庆购房使用公积金贷款所能节省的利息比例是最高的，惠州、佛山等地紧随其后。</span></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><strong><span style="font-size: 12px;"><img src="/ueditor/jsp/upload/image/20190622/1561196432841046695.png" data-ratio="0.6373873873873874" alt="图片3.png" data-op="change" title="图片3.png"/></span></strong></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: justify;"><span style="font-size: 15px;">事实上，每个城市由于房地产市场环境因素影响，公积金实际使用情况又是大不相同。乐有家研究中心汇总了粤港澳大湾区9城市公积金管理中心发布的《住房公积金2018年年度报告》中统计的“年度贷款总额”及“市场占有率”，住房公积金贷款实际使用比例前三名的城市分别为广州、肇庆、江门。</span></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><strong><span style="font-size: 12px;"><img src="/ueditor/jsp/upload/image/20190622/1561196982126052500.png" title="1561196982126052500.png" alt="图片4.png"/></span></strong></p><section data-role="paragraph" class="_135editor"><p><br/></p></section><section class="_135editor" data-tools="135编辑器" data-id="93899"><section style="text-align: center;"><section style="display: flex;justify-content:center;align-items: center;"><section style="width: 20%;height: 1px;background:#333;" data-width="20%"></section><section style="width: 6px; height: 6px; background: rgb(51, 51, 51); border-radius: 100%; margin-left: 4px;"></section><section class="135brush" data-brushtype="text" style="color: rgb(51, 51, 51); padding-right: 10px; padding-left: 10px; line-height: 35px; font-size: 14px; letter-spacing: 1px; font-weight: bold;"><span style="font-size: 15px;">延展</span></section><section style="width: 6px; height: 6px; background: rgb(51, 51, 51); border-radius: 100%;"></section><section style="width: 20%;height: 1px;background:#333;margin-left: 4px;" data-width="20%"></section></section><section style="display: inline-block;"><section style="display: inline-block;"><section class="135brush" data-brushtype="text" style="padding-right: 4px; padding-left: 4px; font-weight: bold; letter-spacing: 1.5px; color: rgb(51, 51, 51);"><span style="font-size: 15px;">粤港澳大湾区公积金购房提取政策</span></section><section style="width: 100%;height: 8px;background: #fbba1f;margin-top:-8px;" data-width="100%"></section></section></section></section></section><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: justify;"><span style="font-size: 15px;">对于购房者而言，住房公积金除了能用于贷款，也可以在买房后申请提取部分账户余额。乐有家研究中心盘点了粤港澳大湾区9个城市住房公积金购房提取政策，以深圳为例，购房首套房时，可以一次性申请提取购房总价款金额，但需要注意的是，提取的额度不能超过账户余额。</span></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: center;"><span style="font-size: 12px;"><strong><img src="/ueditor/jsp/upload/image/20190622/1561196433087058394.png" data-ratio="1" alt="图片5.png"/></strong></span></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: justify;"><span style="font-size: 15px;">以上就是粤港澳大湾区9城住房公积金贷款对购房影响的相关内容，欢迎大家转发~<br/></span></p><p style="margin-top: 20px; margin-bottom: 20px; color: rgb(51, 51, 51); line-height: 1.75em; text-align: justify;"><br/></p><section class="_135editor" data-tools="135编辑器" data-id="92637"><section style="width: 95%; margin-right: auto; margin-left: auto;" data-width="95%"><section style="margin-top: 0.5em; margin-bottom: 0.5em; text-align: center; position: static;"><section style="width: 100%; text-align: left;" data-width="100%"><img style="width: 60px; vertical-align: middle; margin-top: -10px; margin-left: -12.8px;" src="/ueditor/jsp/upload/image/20190622/1561196433153025458.png" class="assistant" data-ratio="1"/></section><section style="box-shadow: rgba(159, 160, 160, 0.498) 0px 0px 10px; padding: 8px; margin-top: -40px; margin-bottom: -2.8em; background-color: rgb(254, 255, 255); margin-left: 10px;"><section style="width: 100%; padding: 8px 15px;" data-width="100%"><section style="margin-right: 0%; margin-left: 0%; position: static;"><p style="text-align: justify; font-size: 15px; letter-spacing: 1px; color: #3f3e3f; line-height: 1.5em;"><span style="font-size: 14px;"><strong>免责声明：</strong>由于公积金贷款受多种因素影响，本文公积金贷款仅供参考，具体公积金以交易实际为准。以上信息和数据更新于2019年6月21日，因时间、市场、政策等都会发生变化，以上信息仅供参考，不作为交易依据使用。</span></p></section></section></section></section><p style="width: 100%; text-align: right; line-height: 1.5em;"><img style="width: 60px; vertical-align: middle; margin-right: -10px;" src="/ueditor/jsp/upload/image/20190622/1561196433189063467.png" class="assistant" data-ratio="1"/></p></section></section><section class="_135editor" data-role="paragraph"><p><br/></p></section></section></section></section></section>