超过20年的房子能公积金贷款吗？-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	超过20年的房子能公积金贷款吗？
释义	超过20年的房子能公积金贷款吗？可以贷款，银行对与二手贷款一般是要求“房龄+贷款年限<45年”。二手房住房公积金贷款要求：1、具有本地城镇常住户口或有效居留身份；2、具有稳定的职业和收入有偿还贷款本息的能力；3、在本地所属区县内购买自住住房；4、具备购买住房的合同或相关证明文件；5、在申请贷款前已连续缴存住房公积金6个月（含）以上或累计缴存住房公积金12个月（含）以上（离退休职工除外）。这样解释好理解吗？该内容由杨振军律师和律说律答共创回答
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