我和井发商签订一套自住房,可是合同上有打印公寓式办公房,现在办不了住房公积金贷款我可以退房吗?
![平台法律顾问团队](https://pic3.lawtimeimg.com/images/default/aiphoto/answer/v1/lawyer2.jpg)
1、按规定正常足额缴存住房公积金,且在申请贷款时已连续缴存一年以上;
2、购买住房为本市自住普通住房,有符合法律规定的购房合同和相关证明材料;
3、购买商品房的,销售楼盘已经中心审批同意,在合同签订(付款方式约定为按揭贷款)、支付首付款后,提出贷款申请;
4、购买二手房的,房产代理中介已经中心备案,在合同签订(付款方式约定为按揭贷款)、支付首付款后,办理房产交易过户手续前,提出贷款申请;
5、购买公有住房的,应在合同签订、全部房价款已付清后,办理房产交易过户手续前,提出贷款申请;
6、拆迁安置的,应在合同签订、全部房价款已付清后,办理房产交易过户手续前,提出贷款申请;
二套房贷款条件
1、符合贷款基本条件,且职工家庭(借款人、配偶)未使用公积金贷款或公积金贷款已还清;
2、职工家庭(借款人、配偶、未成年子女)现有人均住房建筑面积低于本市统计部门公布的上年度平均水平(注:2012年杭州市人均住房建筑面积为
34.39平方米),并且符合国家二套房认定标准;
首付比例
1、购买商品房的(含经济适用房),套型建筑面积在90平方米(含)以下的,贷款首付比例不低于20%;套型建筑面积在90平方米以上的,贷款首付比例不低于30%;同时不低于楼盘合作协议中约定的最低首付款比例;
2、购买二手房的,房屋建造年份在2000年(含)以后的,贷款首付比例不低于30%;房屋建造年份在2000年以前的,贷款首付比例不低于40%;
3、第二套住房公积金贷款首付比例不低于60%。
![房产纠纷律师团队](https://pic3.lawtimeimg.com/images/default/aiphoto/answer/v2/lawyer1.jpg)
合同法第94条规定:有下列情况之一的,当事人可以解除合同:
(一)因不可抗力致使不能实现合同目的;
(二)在履行期限届满之前,当事人一方明确表示或者以自己的行为表明不履行主要债务的;
(三)当事人一方迟延履行主要债务,经催告后在合理期限内仍未履行;
(四)当事人迟延履行债务或者有其他违约行为致使不能实现合同的;
(五)法律规定的其他情形。可以看出,只要发展商出现了上述情形,如严重逾期或质量低劣等,符合法律或中规定的解约条件,买家就可以依法解除购房合同。
![平台特邀律师](https://pic3.lawtimeimg.com/images/default/aiphoto/answer/v3/lawyer2.jpg)
建议可以到当地租房公积金管理中心咨询以获得更多详细的解答。
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