保险监管

【公积金贷款能贷多少怎么计算公式】公积金贷款能贷多少?怎么计算?

保险监管动态 2018-11-09 点击: 手机版

公积金贷款能贷多少?公积金贷款利率应该怎么计算呢?近日一位王先生咨询保险网。王先生今年需要购买一套37万元的房子,他想知道如何利用公积金贷款来减轻房贷压力。保险网给出了公积金贷款利率计算结果。

公积金贷款能贷多少?

王先生提问:我要买一套37万的房子,住房公积金每月缴纳180元,已缴纳20年。工资3500元,不知道一次可贷款多少,个人能贷30万吗?

针对王先生的疑问,保险网给出了解答。

寿险,公积金贷款额度=借款人及参贷人公积金月缴存额之和÷缴存比例×12个月×贷款年限×40%。

王先生每个月缴纳180元,已缴纳20年。依照这个数据我们可以算出王先生公积金贷款的额度=180×12×20÷(180÷3500)×12×20×40%=213284元。所以王先生的公积金贷款最高额度超过20万。

也就是说,王先生公积金贷款可以贷213284元。

公积金贷款怎么算?

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我们假设王先生房子的首付已经付掉30%,那么余下25.9万,其中的213284元可申请公积金贷款,还有4万多需要自己支付。假设王先生公积金贷款10年,采用等额本息方式还款。那么王先生每月还款2084.19元,累积还款250102.86元,利息总计36818.86元。以下是公积金贷款利率计算后王先生每月需要还款的明细。

期次等额本息等额本金
偿还利息偿还本金剩余本金偿还利息每期还款剩余本金

1

576.881,504.54211,495.46576.882,351.88211,225.00
2572.81,508.62209,986.84572.072,347.07209,450.00
3568.711,512.70208,474.14567.262,342.26207,675.00
4564.621,516.80206,957.35562.452,337.45205,900.00
5560.511,520.91205,436.44557.652,332.65204,125.00
6556.391,525.02203,911.41552.842,327.84202,350.00
7552.261,529.16202,382.26548.032,323.03200,575.00
8548.121,533.30200,848.96543.222,318.22198,800.00
9543.971,537.45199,311.51538.422,313.42197,025.00
10539.81,541.61197,769.90533.612,308.61195,250.00
11535.631,545.79196,224.11528.82,303.80193,475.00
12531.441,549.98194,674.14523.992,298.99191,700.00
13527.241,554.17193,119.96519.192,294.19189,925.00
14523.031,558.38191,561.58514.382,289.38188,150.00
15518.811,562.60189,998.98509.572,284.57186,375.00
16514.581,566.83188,432.14504.772,279.77184,600.00
17510.341,571.08186,861.07499.962,274.96182,825.00
18506.081,575.33185,285.73495.152,270.15181,050.00
19501.821,579.60183,706.13490.342,265.34179,275.00
20497.541,583.88182,122.26485.542,260.54177,500.00
21493.251,588.17180,534.09480.732,255.73175,725.00
22488.951,592.47178,941.62475.922,250.92173,950.00
23484.631,596.78177,344.84471.112,246.11172,175.00
24480.311,601.11175,743.73466.312,241.31170,400.00
25475.971,605.44174,138.29461.52,236.50168,625.00
26471.621,609.79172,528.50456.692,231.69166,850.00
27467.261,614.15170,914.35451.892,226.89165,075.00
28462.891,618.52169,295.82447.082,222.08163,300.00
29458.511,622.91167,672.92442.272,217.27161,525.00
30454.111,627.30166,045.62437.462,212.46159,750.00
31449.711,631.71164,413.91432.662,207.66157,975.00
32445.291,636.13162,777.78427.852,202.85156,200.00
33440.861,640.56161,137.22423.042,198.04154,425.00
34436.411,645.00159,492.22418.232,193.23152,650.00
35431.961,649.46157,842.76413.432,188.43150,875.00
36427.491,653.92156,188.84408.622,183.62149,100.00
37423.011,658.40154,530.43403.812,178.81147,325.00
38418.521,662.90152,867.54399.012,174.01145,550.00
39414.021,667.40151,200.14394.22,169.20143,775.00
40409.51,671.91149,528.23389.392,164.39142,000.00
41404.971,676.44147,851.78384.582,159.58140,225.00
42400.431,680.98146,170.80379.782,154.78138,450.00
43395.881,685.54144,485.26374.972,149.97136,675.00
44391.311,690.10142,795.16370.162,145.16134,900.00
45386.741,694.68141,100.48365.352,140.35133,125.00
46382.151,699.27139,401.22360.552,135.55131,350.00
47377.541,703.87137,697.34355.742,130.74129,575.00
48372.931,708.49135,988.86350.932,125.93127,800.00
49368.31,713.11134,275.75346.132,121.13126,025.00
50363.661,717.75132,558.00341.322,116.32124,250.00
51359.011,722.40130,835.59336.512,111.51122,475.00
52354.351,727.07129,108.52331.72,106.70120,700.00
53349.671,731.75127,376.78326.92,101.90118,925.00
54344.981,736.44125,640.34322.092,097.09117,150.00
55340.281,741.14123,899.20317.282,092.28115,375.00
56335.561,745.85122,153.35312.472,087.47113,600.00
57330.831,750.58120,402.76307.672,082.67111,825.00
58326.091,755.32118,647.44302.862,077.86110,050.00
59321.341,760.08116,887.36298.052,073.05108,275.00
60316.571,764.85115,122.51293.242,068.24106,500.00
61311.791,769.63113,352.89288.442,063.44104,725.00
623071,774.42111,578.47283.632,058.63102,950.00
63302.191,779.22109,799.25278.822,053.82101,175.00
64297.371,784.04108,015.20274.022,049.0299,400.00
65292.541,788.87106,226.33269.212,044.2197,625.00
66287.71,793.72104,432.61264.42,039.4095,850.00
67282.841,798.58102,634.03259.592,034.5994,075.00
68277.971,803.45100,830.59254.792,029.7992,300.00
69273.081,808.3399,022.25249.982,024.9890,525.00
70268.191,813.2397,209.02245.172,020.1788,750.00
71263.271,818.1495,390.88240.362,015.3686,975.00
72258.351,823.0793,567.82235.562,010.5685,200.00
73253.411,828.0091,739.82230.752,005.7583,425.00
74248.461,832.9589,906.86225.942,000.9481,650.00
75243.51,837.9288,068.94221.141,996.1479,875.00
76238.521,842.9086,226.05216.331,991.3378,100.00
77233.531,847.8984,378.16211.521,986.5276,325.00
78228.521,852.8982,525.27206.711,981.7174,550.00
79223.511,857.9180,667.36201.911,976.9172,775.00
80218.471,862.9478,804.42197.11,972.1071,000.00
81213.431,867.9976,936.43192.291,967.2969,225.00
82208.371,873.0575,063.39187.481,962.4867,450.00
83203.31,878.1273,185.27182.681,957.6865,675.00
84198.211,883.2171,302.07177.871,952.8763,900.00
85193.111,888.3169,413.76173.061,948.0662,125.00
861881,893.4267,520.34168.261,943.2660,350.00
87182.871,898.5565,621.79163.451,938.4558,575.00
88177.731,903.6963,718.10158.641,933.6456,800.00
89172.571,908.8561,809.26153.831,928.8355,025.00
90167.41,914.0259,895.24149.031,924.0353,250.00
91162.221,919.2057,976.04144.221,919.2251,475.00
92157.021,924.4056,051.65139.411,914.4149,700.00
93151.811,929.6154,122.04134.61,909.6047,925.00
94146.581,934.8352,187.20129.81,904.8046,150.00
95141.341,940.0750,247.13124.991,899.9944,375.00
96136.091,945.3348,301.80120.181,895.1842,600.00
97130.821,950.6046,351.20115.381,890.3840,825.00
98125.531,955.8844,395.32110.571,885.5739,050.00
99120.241,961.1842,434.14105.761,880.7637,275.00
100114.931,966.4940,467.65100.951,875.9535,500.00
101109.61,971.8238,495.8496.151,871.1533,725.00
102104.261,977.1636,518.6891.341,866.3431,950.00
10398.91,982.5134,536.1786.531,861.5330,175.00
10493.541,987.8832,548.2981.721,856.7228,400.00
10588.151,993.2630,555.0376.921,851.9226,625.00
10682.751,998.6628,556.3672.111,847.1124,850.00
10777.342,004.0826,552.2967.31,842.3023,075.00
10871.912,009.5024,542.7962.491,837.4921,300.00
10966.472,014.9522,527.8457.691,832.6919,525.00
11061.012,020.4020,507.4452.881,827.8817,750.00
11155.542,025.8718,481.5648.071,823.0715,975.00
11250.052,031.3616,450.2043.271,818.2714,200.00
11344.552,036.8614,413.3438.461,813.4612,425.00
11439.042,042.3812,370.9633.651,808.6510,650.00
11533.52,047.9110,323.0528.841,803.848,875.00
11627.962,053.468,269.5924.041,799.047,100.00
11722.42,059.026,210.5819.231,794.235,325.00
11816.822,064.604,145.9814.421,789.423,550.00
11911.232,070.192,075.799.611,784.611,775.00
1205.622,075.7904.811,779.810

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