1, housing provident fund loans: for having participated in the housing provident fund to pay the residents, purchase loans, housing provident funds should be first choice for low-interest loans. Housing Loan Fund has a policy of the nature of subsidies, low interest rates, not only lower than the same period of commercial bank lending rate (commercial banks is only half the mortgage rates), but also lower than the same period of commercial bank deposit rate, that is, in the housing fund Mortgage interest rates and bank deposit interest rate spreads between the one. At the same time, housing provident fund loans for the mortgage insurance and other related charges clearance by half.
2, individual housing loan business: more than two loans limited to a housing fund to pay for staff in the use of the unit, the limited number of conditions, therefore, not deposited in the housing accumulation fund loans were missed, but the commercial banks can apply for individual housing loan guarantees, That is, bank mortgage lending. As long as your bank balance in the loan account to purchase housing funding required for the ratio of no less than 30% as house down payment, and bank loans are approved or pledge assets as collateral, or adequate compensation Or the ability to repay the loan principal and interest as a personal commitment and joint and several liability of a guarantor, then the bank can apply for mortgage loans.
3, individual housing loan portfolio: housing fund management center of the Provident Fund loan can be paid up to a maximum of 10-29 million for the general, if the house shall exceed this limit, in part to the lack of commercial banks to apply for housing loans. The two loans together referred to as the loan portfolio. The business can be a Ministry of the bank's real estate credit for reunification. Loan portfolio of more moderate rate, the larger the amount of the loan, which was more choice of lenders.
Personal housing loans to entrust (loan fund) the most cost-effective, individual housing loans (commercial loans) interest burden, but there is little difference between the repayment, we may as well look for comparison:
Assuming a couple buyers to purchase a total of 500,000 yuan housing, with its own funds to pay 30 percent down payment, that is 150,000 yuan, 350,000 yuan and the remaining 15 years to apply for loans. The couple on revenue of 6,000 yuan, on provident fund deposit ratio was 20% (business and personal burden on the half), the fund now total 40,000 yuan. Commercial loans than the burden of policy loans is much higher, reaching 1 / 3, also on the amount of more than 10% of the total number of nearly 50,000 yuan, is not insignificant. That being the case, natural selection should be entrusted to individual housing loans, but not the couple can not rely on individual housing loans entrusted, even if their existing fund of 4 million is 10 times lower rate calculation, they can apply for The 400,000 yuan loan fund, but because the policy loan ceiling of only 300,000 yuan, 350,000 yuan is therefore not possible. As a result, the couple is only second best to choose the individual housing loan portfolio. In that case, their monthly repayment burden to bear this? Say their monthly repayment 2781.45 yuan, but they can be part of the repayment period to cover the monthly deposit of the fund, the amount could reach up to 20% of total revenue , That is 1200 yuan / month, then they need to pay for the floor section only (2781.45-1200) 1581.45 yuan / month, and their monthly income of 6,000 yuan compared to the burden is very light. However, if there is no support for the fund, entirely on commercial loans, the monthly repayment burden is quite heavy, but accounted for 50% of the total revenue of about a mortgage or acceptable. Buyers identified in the proposed budget for the purchase of a building may wish to carefully calculate, compare the lists several options to apply for the loan again.
Provident Fund for housing loans should be the following:
(A) the borrower to apply for housing loan fund to the city housing fund management center application in writing, fill out the housing accumulation fund loan application form and provide factual information.
(B) of the city housing fund management center in charge of borrowers eligible guarantor eligibility, loan amount and loan term of the contract to complete the review and consent of the borrower and the Center for the signing of the relevant contracts or agreements, the People's Bank of China and insurance regulations.
(C) of the loan check has been completed, the city housing fund management center for the bank to grant loans to a notice issued by the bank loan received a notice of classified loans to pay for procedures
To remind: purchase, based on the borrower's own funds to pay, the banks estimated that the amount of loans that can and the monthly repayment amount. According to the management of the fund provides an annual extraction. The assumption that customers once a year to fund the extraction of 15,000 yuan, while the monthly loan repayment fund amounted to 1,500 yuan, the repayment of commercial loans amounted to 1,000 yuan in the way of repayment can enroll in the "balance of the loan-to-red", that is, extracting the first fund to return Month housing accumulation fund loans and commercial loans principal and interest (a total of 2,500 yuan), the balance of 12,500 yuan can be a one-time repayment of commercial housing loans, commercial housing loans to pay off the principal, and then the remaining funds to repay the principal of the loans, because Commercial lending rates higher than the funds rate. "Chong repayment", the borrower can choose to shorten the period of repayment of the original or choose to repay the same period, also on reducing the amount of the loan approach. However, commercial bank customers to repay in advance the number of times that there is a certain limit. If customers choose the "principal and interest matching" method of repayment, the monthly repayment amount equal to maintain the same 2,500 yuan, the extraction of 15,000 yuan fund will be charged according to the original mode charge 2,500 yuan per month in a row. Lack of balance, the borrower should be in full and on time will be used to repay the money into the bank card, both the repayment method, customers can choose according to their own reality.
If the customer when they apply for the purchase of individual housing loans of the commercial, such as: personal housing mortgage loans, the transfer of individual housing loans, personal loans re-transaction housing. At that time, buyers who, for various reasons do not apply to "fund" loans, and now personal funds deposited in the required amount and number of years, and has to apply for funds to meet the conditions for purchase loans, while commercial banks do not currently able to purchase commercial Conversion of loans to fund housing loans, but funds can be extracted for commercial loans to repay principal and interest. As long as the borrower to the public
No comments:
Post a Comment