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【房贷按揭利息怎么算的】-安居客房产问答
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<p>房贷按揭利息怎么算的相关问题解答，安居客房产经纪人、置业顾问会帮您分析房贷按揭利息怎么算的相关问题，帮您解决房产问题。</p> </div> <section class="comm-mod"> <h2 class="mod-tit">为您找到"<span class="high">房贷按揭利息怎么算的</span>"相关问题</h2> <div class="hot-qa-box"> <ul class="qa-home-list"> <li data-href="https://m.anjuke.com/qa/view/d/51094459" > <h1> 请问大理房贷利率是多少？ </h1> <p>基准是4.9，首套房5.39，二套房5.88，商业产权5.88以上，以具体购房为准。</p> <div class="qa-home-time">1回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/da/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/da/ask/jh-100200020001/" >房贷利率</a> <a href="https://m.anjuke.com/da/ask/jh-100200020003/" >利率</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51092383" > <h1> 个人房贷利率新规实施，对有房贷的业主有什么影响？ </h1> <p>近期有存量房利率调整</p> <div class="qa-home-time">2回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/sh/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/sh/ask/jh-100200020001/" >房贷利率</a> <a href="https://m.anjuke.com/sh/ask/jh-100200020003/" >利率</a> <a href="https://m.anjuke.com/sh/ask/jh-100100040007/" >业主</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51092113" > <h1> 房贷利率的计算公式 </h1> <p>1、等额本息还款法“等额本息还款法”又称“月均等额还款法”，目前较为常用，它是在你还贷期限内，以固定的数目每月还贷。也就是说，不仅每年每月本金保持不变，而且每年每月利息保持不变。等额本息的特点是：整个还款期内，每个月的还款额保持不变。贷款人可以准确掌握每月的还款额，有计划的安排家庭的开支。计算公式：总利息=月还款额*贷款月数-本金。月还款额=本金*月利率*[(1月利率)^n[(1月利率)^n-1]。式中n表示贷款月数，^n表示n次方，如^240，表示240次方(贷款20年、240个月)月利率=年利率12。2、等额本金法本金在整个还款期内平均分摊，利息则按贷款本金余额逐日计算。每月还款额逐渐减少，但偿还的速度是保持不变的。这种方式比较适合于还款初期能力较强、并希望在还款初期归还较大款项来减少利息支出的借款人。计算公式：月还款额=本金n剩余本金*月利率;总利息=本金*月利率*(贷款月数20.5)。</p> <div class="qa-home-time">1回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/bj/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/bj/ask/jh-100200020001/" >房贷利率</a> <a href="https://m.anjuke.com/bj/ask/jh-100200020003/" >利率</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51091336" > <h1> 夫妻一方有征信问题，房贷能办下来吗？ </h1> <p>不行，征信不能出现连三累六的逾期。也可以给银行沟通</p> <div class="qa-home-time">6回答<i>|</i>2022-05-16 <a href="https://m.anjuke.com/zz/ask/jh-100200020006/" >房贷</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51089813" > <h1> 【异地缴存公积金并购房用公积金贷款，后公积金转入蚌埠，在蚌埠缴存的公积金还能抵扣外地的住房贷款吗？】本人在上海买房并申请的上海公积金贷款，因工作调动，要回到 </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/bb/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/bb/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/bb/ask/jh-100200040003/" >公积金</a> <a href="https://m.anjuke.com/bb/ask/jh-100200050001/" >公积金贷款</a> <a href="https://m.anjuke.com/bb/ask/jh-100000020073/" >买房</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51087279" > <h1> 买房贷款是不是拿不到房产证 </h1> <p>您好，这个跟您房子买的房子产权性质有关，很是否贷款没有关系</p> <div class="qa-home-time">3回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/sh/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/sh/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/sh/ask/jh-100000020073/" >买房</a> <a href="https://m.anjuke.com/sh/ask/jh-100200070007/" >房产证</a> <a href="https://m.anjuke.com/sh/ask/jh-100200070006/" >产证</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51086997" > <h1> 房贷还款选择哪种方式好 </h1> <p>等额本金吧，相对合适一些</p> <div class="qa-home-time">2回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/bj/ask/jh-100200020006/" >房贷</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51086735" > <h1> 2019年，有部分房贷，准备卖房，问卖房流程一般需多少时间完成？ </h1> <p>一般整个交易流程需要1个月左右</p> <div class="qa-home-time">4回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/sh/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/sh/ask/jh-100100040001/" >卖房</a> <a href="https://m.anjuke.com/sh/ask/jh-100100020001/" >卖房流程</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51086372" > <h1> 【如何自助查询公积金贷款进度】个人购新房贷款，材料已交至公积金中心，想知道如何自主查询进度，谢谢。 </h1> <p>这个具体以公积金管理中心为准，一般会给你说最长放款周期，具体要看额度等等因素</p> <div class="qa-home-time">2回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/su/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/su/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/su/ask/jh-100200040003/" >公积金</a> <a href="https://m.anjuke.com/su/ask/jh-100200050001/" >公积金贷款</a> <a href="https://m.anjuke.com/su/ask/jh-100000060002/" >新房</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51085934" > <h1> 买房贷款怎么选银行？ </h1> <p>你好，利率基本都是一样的</p> <div class="qa-home-time">2回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/zz/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/zz/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/zz/ask/jh-100200050007/" >银行</a> <a href="https://m.anjuke.com/zz/ask/jh-100000020073/" >买房</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51085723" > <h1> 房贷利率调整日什么意思？ </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-15 <a href="https://m.anjuke.com/sh/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/sh/ask/jh-100200020001/" >房贷利率</a> <a href="https://m.anjuke.com/sh/ask/jh-100200020003/" >利率</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51084433" > <h1> “房贷20年”和“房贷30年”哪个更划算? </h1> <p>这个要根据自己的实际情况来定的，贷款的时间越长，每个月的还款压力相对于压力小点，总共的还款利息多一些，贷款时间20年比贷款30年，每个月的还款压力大，总共的利息少一点</p> <div class="qa-home-time">1回答<i>|</i>2022-05-14 <a href="https://m.anjuke.com/hz/ask/jh-100200020006/" >房贷</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51081861" > <h1> 房屋贷款利息计算方法是什么？ </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-14 <a href="https://m.anjuke.com/gz/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/gz/ask/jh-100200020004/" >利息</a> <a href="https://m.anjuke.com/gz/ask/jh-100200020013/" >利息计算</a> <a href="https://m.anjuke.com/gz/ask/jh-100200050006/" >房屋贷款</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51079421" > <h1> 哪些情况执行首套房贷款利率？ </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-13 <a href="https://m.anjuke.com/sz/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/sz/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/sz/ask/jh-100200020003/" >利率</a> <a href="https://m.anjuke.com/sz/ask/jh-100200060004/" >首套房</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51079415" > <h1> 个人房贷利率新规实施，对有房贷的业主有什么影响？ </h1> <p>业主这边更快时间内能收到按揭款，对业主这边是没有任何影响的</p> <div class="qa-home-time">3回答<i>|</i>2022-05-13 <a href="https://m.anjuke.com/cq/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/cq/ask/jh-100200020001/" >房贷利率</a> <a href="https://m.anjuke.com/cq/ask/jh-100200020003/" >利率</a> <a href="https://m.anjuke.com/cq/ask/jh-100100040007/" >业主</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51075896" > <h1> 等额本息提前还款还要付利息吗 </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-13 <a href="https://m.anjuke.com/sh/ask/jh-100200020004/" >利息</a> <a href="https://m.anjuke.com/sh/ask/jh-100200050017/" >提前还款</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51075080" > <h1> 房贷审批通过后多久放款? </h1> <p>你好，这个主要还是看合作的银行，现在银行储蓄充足放款审批还是比较快的</p> <div class="qa-home-time">5回答<i>|</i>2022-05-13 <a href="https://m.anjuke.com/hz/ask/jh-100200020006/" >房贷</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51074152" > <h1> 【提取公积金还有金额限制吗？】你好，我想问一下，以前提取公积金金额必须按照缴存时间，金额，还房贷的比例提取不能超出，现在公积金降了还有金额限制吗？ </h1> <p>，市公积金中心未对住房公积金提取政策进行调整。</p> <div class="qa-home-time">1回答<i>|</i>2022-05-12 <a href="https://m.anjuke.com/gz/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/gz/ask/jh-100200040003/" >公积金</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51073160" > <h1> 2021年银行全面停止房贷了吗？ </h1> <p>没有。现在银行贷款政策宽松。</p> <div class="qa-home-time">2回答<i>|</i>2022-05-12 <a href="https://m.anjuke.com/zz/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/zz/ask/jh-100200050007/" >银行</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51065896" > <h1> 【公积金贷款每月划扣问题】由于热线电话一直处于繁忙，这边提问：蚌埠中信银行房贷，公积金部分现在是否支持自动从公积金账户余额里自动划扣呢？因为看到工商银行和徽 </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-11 <a href="https://m.anjuke.com/bb/ask/jh-100200020010/" >贷款</a> <a href="https://m.anjuke.com/bb/ask/jh-100200020006/" >房贷</a> <a href="https://m.anjuke.com/bb/ask/jh-100200040003/" >公积金</a> <a href="https://m.anjuke.com/bb/ask/jh-100200050001/" >公积金贷款</a> <a href="https://m.anjuke.com/bb/ask/jh-100200050007/" >银行</a> </div> </li> </ul> </div> </section> <section class="comm-mod"> <h2 class="mod-tit">问答专家</h2> <div class="expert-info"> <div data-href="https://m.anjuke.com/bj/jjr-2731023/" class="expert-li soj" data-soj="m_wdzj"> <div class="head-img"> <img src="https://spic1.ajkimg.com/WMdLYb-4N8cDHf6xAYvI-LHdikcy0U5qAjTPreUumJq0MQCLPb8jlBouxjraR7lDO8Q24wDWw6xBXzT9UpHu0Ant4cMYXTE2T0F-fYDk0YNZlF3JOWRo2fm2Zk5evAsMMV4yDBhFp3Y5DE9uEjCfCiL51gdXO7x7w_w7BCNoMlCqX0L65uI13e5KK2ctwKPc" data-src="https://spic1.ajkimg.com/WMdLYb-4N8cDHf6xAYvI-LHdikcy0U5qAjTPreUumJq0MQCLPb8jlBouxjraR7lDO8Q24wDWw6xBXzT9UpHu0Ant4cMYXTE2T0F-fYDk0YNZlF3JOWRo2fm2Zk5evAsMMV4yDBhFp3Y5DE9uEjCfCiL51gdXO7x7w_w7BCNoMlCqX0L65uI13e5KK2ctwKPc" alt="伍志强" class=""> </div> <p class="name"><a href="https://m.anjuke.com/bj/jjr-2731023/" data-soj="m_wdzj">伍志强</a></p> <p><a href="https://m.anjuke.com/bj/gs-140868/" data-soj="m_wdzj"></a></p> <p>0个回答</p> </div> <div data-href="https://m.anjuke.com/bj/jjr-101122409/" class="expert-li soj" data-soj="m_wdzj"> <div class="head-img"> <img src="https://spic1.ajkimg.com/rlH8YRJvIwiDhqUN6cb0DQ9qdv0lc_2nExGaG4HXmrjU4pp98t8_7iUBbDwnDUYp217GW3Y9lv4U8p6pRtWH1HQt_oOh0Y76ZtXcKdeJFBhZgTZ02umzsnZnvCmh0m17lkipj4rOvFLSOv6DIz9EibJqNcrfD7zQRe3C57GfWQn_qTh6bfGmfk8URzVjM9RF" data-src="https://spic1.ajkimg.com/rlH8YRJvIwiDhqUN6cb0DQ9qdv0lc_2nExGaG4HXmrjU4pp98t8_7iUBbDwnDUYp217GW3Y9lv4U8p6pRtWH1HQt_oOh0Y76ZtXcKdeJFBhZgTZ02umzsnZnvCmh0m17lkipj4rOvFLSOv6DIz9EibJqNcrfD7zQRe3C57GfWQn_qTh6bfGmfk8URzVjM9RF" alt="郭永琪" class=""> </div> <p class="name"><a href="https://m.anjuke.com/bj/jjr-101122409/" data-soj="m_wdzj">郭永琪</a></p> <p><a href="https://m.anjuke.com/bj/gs-848/" data-soj="m_wdzj"></a></p> <p>0个回答</p> </div> <div data-href="https://m.anjuke.com/bj/jjr-202636456/" class="expert-li soj" data-soj="m_wdzj"> <div class="head-img"> <img src="https://spic1.ajkimg.com/_HgzxNvmJVynueF7r8vNxUatdJHLfqQ0ocgZ0EqfunYa1ChAbl7K3VCSZxnhT7BPSMcgYICHa7cJVA_vgYSBmeA8GJVCoVu-crO-sSRV3UpaKZfDaWcIeHoE5jb8F6ApSKwAQq3AILhg07oKDYcYk3MpjzVLz1F7g7wuyHY8jlRC2SWMi3q7f-y-NDczdqF5" data-src="https://spic1.ajkimg.com/_HgzxNvmJVynueF7r8vNxUatdJHLfqQ0ocgZ0EqfunYa1ChAbl7K3VCSZxnhT7BPSMcgYICHa7cJVA_vgYSBmeA8GJVCoVu-crO-sSRV3UpaKZfDaWcIeHoE5jb8F6ApSKwAQq3AILhg07oKDYcYk3MpjzVLz1F7g7wuyHY8jlRC2SWMi3q7f-y-NDczdqF5" alt="曹彬" class=""> </div> <p class="name"><a href="https://m.anjuke.com/bj/jjr-202636456/" data-soj="m_wdzj">曹彬</a></p> <p><a href="https://m.anjuke.com/bj/gs-923/" data-soj="m_wdzj"></a></p> <p>0个回答</p> </div> </div> </section> <section class="comm-mod"> <h2 class="mod-tit">相关房源推荐</h2> <div class="mod-house pro exposure" > <a data-trace="{}" href="https://m.anjuke.com/bj/sale/S3976795874520074/?isauction=" class="house-li sojsend" data-soj="trendency_rec1"> <img src="https://pic1.ajkimg.com/display/hj/56b45e27d10bc7def746e12c8ea15e4e/240x180c.jpg?t=1" class="imglazyload" width="107" height="78" alt=""> <div class="house-info"> <h3>潘家园松榆西里 南北通透，全明户型，满五 ，中间楼层</h3> <p class="f01">朝阳-潘家园 松榆西里</p> <p class="info-des"> <span class="room f01"> 3室1厅 84.12m² </span> <span class="price"><em>430</em>万</span> </p> <p class="info-label"> </p> </div> </a> <a data-trace="{}" href="https://m.anjuke.com/bj/sale/S3925834699595782/?isauction=" class="house-li sojsend" data-soj="trendency_rec1"> <img src="https://pic1.ajkimg.com/display/hj/d9714276f4fedf14a2f64f6b2d71e00d/240x180c.jpg?t=1" class="imglazyload" width="107" height="78" alt=""> <div class="house-info"> <h3>海淀西北旺 次新小区 电梯房 南北通透两居</h3> <p class="f01">海淀-西北旺 保利西山林语</p> <p class="info-des"> <span class="room f01"> 2室1厅 90.73m² </span> <span class="price"><em>476</em>万</span> </p> <p class="info-label"> </p> </div> </a> <a data-trace="{}" href="https://m.anjuke.com/bj/sale/S3976926430437390/?isauction=" class="house-li sojsend" data-soj="trendency_rec1"> <img src="https://pic1.ajkimg.com/display/hj/701a028160554e2aa261d8b06e70c671/240x180c.jpg?t=1" class="imglazyload" width="107" height="78" alt=""> <div class="house-info"> <h3>松榆西里 交通便利 商品住宅 集中供暖</h3> <p class="f01">朝阳-潘家园 松榆西里</p> <p class="info-des"> <span class="room f01"> 3室1厅 84.12m² </span> <span class="price"><em>430</em>万</span> </p> <p class="info-label"> </p> </div> </a> </div> </section> <section class="comm-mod"> <h2 class="mod-tit">相关小区推荐</h2> <div class="mod-house rim exposure" > <a href="https://m.anjuke.com/bj/community/218721/" class="house-li soj" > <img src="https://pic1.ajkimg.com/display/anjuke/014efc4cade43b282a8772a82b27a20f/180x135c.jpg" class="imglazyload" width="107" height="78" alt=""> <div class="house-info"> <h3>亚运新新家园</h3> <p class="f01">朝阳-亚运村 辛店路1号</p> <p class="f01">二手房（<span class="f03">1377</span>）</p> <p class="info-des"> <span class="room f01">2000年</span> <span class="price"><em>87152</em>元/m²</span> </p> </div> </a> <a href="https://m.anjuke.com/bj/community/875707/" class="house-li soj" > <img src="https://pic1.ajkimg.com/display/anjuke/165e9e2a6a16e897fe105d2151a765c9/180x135c.jpg" class="imglazyload" width="107" height="78" alt=""> <div class="house-info"> 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class="f01">二手房（<span class="f03">1037</span>）</p> <p class="info-des"> <span class="room f01">2012年</span> <span class="price"><em>115222</em>元/m²</span> </p> </div> </a> </div> </section> <section class="comm-mod"> <h2 class="mod-tit">热门问答</h2> <div class="hot-qa-box"> <ul class="qa-home-list"> <li data-href="https://m.anjuke.com/qa/view/d/51064490" data-soj="m_rmwd"> <h1> 买房贷款下不来首付能退吗？ </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-11 <a href="https://m.anjuke.com/tj/ask/jh-100200020006/" data-soj="m_rmwd_bq">房贷</a> <a href="https://m.anjuke.com/tj/ask/jh-100200020010/" data-soj="m_rmwd_bq">贷款</a> <a href="https://m.anjuke.com/tj/ask/jh-100000020073/" data-soj="m_rmwd_bq">买房</a> <a href="https://m.anjuke.com/tj/ask/jh-100200060001/" data-soj="m_rmwd_bq">首付</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51064352" data-soj="m_rmwd"> <h1> 等额本息提前还款还要付利息吗 </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-11 <a href="https://m.anjuke.com/sh/ask/jh-100200020004/" data-soj="m_rmwd_bq">利息</a> <a href="https://m.anjuke.com/sh/ask/jh-100200050017/" data-soj="m_rmwd_bq">提前还款</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51060687" data-soj="m_rmwd"> <h1> 房贷还款选择哪种方式好？ </h1> <p>如果可以用公积金，肯定用公积金好一些</p> <div class="qa-home-time">3回答<i>|</i>2022-05-10 <a href="https://m.anjuke.com/cq/ask/jh-100200020006/" data-soj="m_rmwd_bq">房贷</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51058305" data-soj="m_rmwd"> <h1> 提前还房贷可以委托他人办理吗 </h1> <p></p> <div class="qa-home-time">0回答<i>|</i>2022-05-09 <a href="https://m.anjuke.com/hz/ask/jh-100200020006/" data-soj="m_rmwd_bq">房贷</a> <a href="https://m.anjuke.com/hz/ask/jh-100300030001/" data-soj="m_rmwd_bq">委托</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51057286" data-soj="m_rmwd"> <h1> 房贷可以贷款多少年？ </h1> <p>房贷正常都是可以贷到30年，最长年龄可贷到70岁 具体看每个银行跟商业或公积金贷等。</p> <div class="qa-home-time">4回答<i>|</i>2022-05-09 <a href="https://m.anjuke.com/gz/ask/jh-100200020006/" data-soj="m_rmwd_bq">房贷</a> <a href="https://m.anjuke.com/gz/ask/jh-100200020010/" data-soj="m_rmwd_bq">贷款</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51057247" data-soj="m_rmwd"> <h1> 房贷去银行面签就是通过了吗 </h1> <p>还没放款就没通过，得等银行放款才可以。</p> <div class="qa-home-time">2回答<i>|</i>2022-05-09 <a href="https://m.anjuke.com/bj/ask/jh-100200020006/" data-soj="m_rmwd_bq">房贷</a> <a href="https://m.anjuke.com/bj/ask/jh-100200050007/" data-soj="m_rmwd_bq">银行</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51056562" data-soj="m_rmwd"> <h1> 【提前结清贷款】我的房贷是组合贷款,现在想要提前还清,请问时需要去银行还是公积金中心,还是两地都需要去? </h1> <p>组合贷款提前还款，公积金部分带身份证、还贷卡（预存还款额）到公积金中心窗口办理；商业贷款还款请向贷款银行电话预约办理。</p> <div class="qa-home-time">1回答<i>|</i>2022-05-09 <a href="https://m.anjuke.com/bj/ask/jh-100200020010/" data-soj="m_rmwd_bq">贷款</a> <a href="https://m.anjuke.com/bj/ask/jh-100200020006/" data-soj="m_rmwd_bq">房贷</a> <a href="https://m.anjuke.com/bj/ask/jh-100200040003/" data-soj="m_rmwd_bq">公积金</a> <a href="https://m.anjuke.com/bj/ask/jh-100200050002/" data-soj="m_rmwd_bq">组合贷款</a> <a href="https://m.anjuke.com/bj/ask/jh-100200050007/" data-soj="m_rmwd_bq">银行</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51052941" data-soj="m_rmwd"> <h1> 办理偿还住房贷款提取住房公积金注意事项 </h1> <p>住房公积金是单位及其在职职工缴存的长期住房储金，是住房分配货币化、社会化和法制化的主要形式。目前用户可根据自身不同情况，在一次性还款法、停还若干月法和逐月还款法等三种不同的提取还贷方式中选择。 1、一次性还款法是指用提取的住房公积金余额一次性归还贷款余额后，借款人按照提取还贷后的剩余贷款本金和剩余还款期限重新计算的月还款额继续按月还款。 2、停还若干月法是指用提取的住房公积金余额一次性归还贷款余额后，根据提取的公积金余额与当前月还款额的倍数取整后停还相应月数，停还月数不得超过12个月(即使提取还贷的公积金余额大于12个月的月还款额，停还月数也不得超过12个月)。停还结束后借款人需继续按月还款。停还期内产生的欠息，不收罚息，不计复利，在停还结束后的月还款中逐月扣还。 3、逐月还款法是指每月直接从委托人公积金账户中提取用于归还当月贷款本息的金额的办法。提取的公积金金额不足时，委托人应及时补足其还款金额。 客户采用一次性还款法和停还若干月法，每年只可提取一次住房公积金用于还贷，具体时间以《委托书》的约定为准，提取金额不超过划款时住房公积金贷款和商业性住房贷款的贷款本金余额及利息之和。</p> <div class="qa-home-time">1回答<i>|</i>2022-05-08 <a href="https://m.anjuke.com/xm/ask/jh-100200020006/" data-soj="m_rmwd_bq">房贷</a> <a href="https://m.anjuke.com/xm/ask/jh-100200020010/" data-soj="m_rmwd_bq">贷款</a> <a href="https://m.anjuke.com/xm/ask/jh-100200040003/" data-soj="m_rmwd_bq">公积金</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51052570" data-soj="m_rmwd"> <h1> 【住房公积金提取事宜】你好，我还房贷2000月，今年想提前还房贷5万，想知道提前还的房贷5万和平时每月还的2000,今年一次性取时是否可以同时取，即5+0 </h1> <p>可以提前还款，也可以还部分，只要向银行提前预约就可以了</p> <div class="qa-home-time">4回答<i>|</i>2022-05-08 <a href="https://m.anjuke.com/sh/ask/jh-100200020006/" data-soj="m_rmwd_bq">房贷</a> <a href="https://m.anjuke.com/sh/ask/jh-100200040003/" data-soj="m_rmwd_bq">公积金</a> <a href="https://m.anjuke.com/sh/ask/jh-100200040004/" data-soj="m_rmwd_bq">公积金提取</a> </div> </li> <li data-href="https://m.anjuke.com/qa/view/d/51047895" data-soj="m_rmwd"> <h1> 公积金二套房贷款政策是什么 </h1> <p></p> <div class="qa-home-time">1回答<i>|</i>2022-05-07 <a href="https://m.anjuke.com/bj/ask/jh-100200020006/" data-soj="m_rmwd_bq">房贷</a> <a 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