In order to support a certain industry, the state subsidizes the loans of this industry. This kind of loans is called discount loans. For example, in order to support agriculture (arouse farmers' enthusiasm for production), the state implements low-interest loans for purchasing seeds/fertilizers (in order to ensure the interests of banks, the state makes up for the lack of interest), and such loans obtained by farmers are discount loans.
Two, provident fund discount loans to implement portfolio loans, low interest, fast lending.
Guangzhou has implemented "Guangzhou" for many months, and there are also many successful cases. It is reported that discount loans are only for portfolio loans, and the biggest advantage may be that the lending time is shorter. At present, in the year of using this method, the interest rate has been reduced five times. If the commercial loan interest rate and the provident fund loan interest rate want to be approved as soon as possible, you can use a combination loan, which can not only enjoy the benefits of low interest on the provident fund, but also lend money quickly.
Improved buyers like to use discount loans.
As the provident fund is relatively willing to approve and lend portfolio loans in the later period, according to the data of 165438+ 10, portfolio loans increased by 50% month-on-month.
But generally speaking, there are not many buyers who have a clear understanding of this in the market at present, so generally, those who meet the requirements will recommend discount loans to them first, and buyers have a higher acceptance of this, because the loan approval speed is indeed faster than the provident fund, mainly for improved buyers. They mainly deal with many transactions between China Bank and China Construction Bank, and 90% of the transactions submitted for approval have been approved.
At present, the market price is generally high, and people in need will recommend them provident fund discount loans. Buyers who meet the conditions of provident fund loans can apply for approval.
The loan time is short and the seller's acceptance is high.
The loan method of discount provident fund needs internal processes such as bank preliminary examination, scanning data to provident fund center, etc. Whether the approval of the provident fund center meets the criteria for provident fund loans, so it takes about 12~ 15 working days for the approval of discount loans, so it takes time from case approval to success; The approval time of commercial loans is about ten working days shorter than that of provident fund discount loans, but the benefits of enjoying low interest from provident fund can be significantly shortened, which greatly promotes the transactions between buyers and sellers.
Expert's suggestion: You can apply for provident fund discount loan if the amount is sufficient.
The so-called "provident fund personal housing discount loan" means that commercial banks use bank funds to issue discount loans to borrowers who meet the conditions of commercial bank housing provident fund loans and personal housing loans. The borrower pays interest to the bank according to the commercial housing loan interest rate, and the interest difference between the discount loan and the provident fund loan is paid to the borrower by the Guangzhou Housing Provident Fund Management Center on a monthly basis. Employees who meet the conditions of provident fund loans may voluntarily choose provident fund loan borrowers with discount loans. It is deemed that China Construction Bank, China Bank and Guangzhou Rural Commercial Bank can accept discount loans before applying for Guangzhou housing provident fund.
Discounting loans can not only make buyers enjoy the low interest rate of provident fund, but also make loans faster. Discount loans will be forcibly converted into commercial loans, and the provident fund management center will no longer provide discount services. It is reported that Guangzhou Provident Fund Center plans to invest 5 billion yuan each year for discount loans. At present, the acceptance of subsidized provident fund loans is relatively high, so will there be a situation where the quota is exhausted?
According to the feedback from the bank, there are more than 200 transactions in more than one month. Even if the number of second-hand units in Guangzhou is 1 1 000, the proportion of portfolio loans is around 15%~20%. Even if the loan is10 million, the loan amount is only several hundred million. The interest rate was cut five times during the year, and there was little difference between the commercial loan interest rate and the provident fund loan. At present, there is a long waiting time for pure provident fund loans. If you want to get a loan quickly, it is suggested that you can use a combination loan, that is, if the provident fund loan amount is not fully used, you can also apply for a small amount of commercial loans, so that the interest expenses will not increase much, but the lending speed will be much faster.
(The above answers were published on 2015-12-21. Please refer to the actual situation for the current purchase policy. )
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Third, the difference between business transfer and interest discount
The difference between discounted loans and portfolio loans
Discount loan, also known as public sector loan, is a policy discount business of personal housing guarantee loan jointly launched by housing fund management center, loan guarantee center and commercial banks. Property buyers can get loans directly from cooperative banks, without going to the center or the bank to go through two sets of procedures and pay two handling fees. In this way, the loan time may be saved from the previous months to only a few days. The spread between commercial loans and provident fund loans, the interest provided by the government housing provident fund is returned to the cooperative banks, and the final discount interest still falls on the lenders. Benefits of mortgage discount The existing procedures for portfolio loans are relatively complicated, and borrowers need to pay lawyer's fees, insurance fees, assessment fees for provident fund loans and mortgage registration fees for commercial loans. Discount business is that banks, funds and guarantee law firms accept personal loan, discount and guarantee application procedures, and borrowers only need to complete the application once, which simplifies the procedures and reduces the cost. Therefore, the discount loan is a backup policy when the amount of provident fund housing management center is insufficient. The difference between discount loans and portfolio loans is that the issuer and lending time are different, but the loan interest rate is the same.
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1 Answer: 2022,65438+1October 29th.
The best answer: The difference between provident fund discount loan and provident fund loan is that the loan provider of provident fund discount loan is the bank, while the loan provider of provident fund loan is the housing provident fund management center. in other words ...
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Implemented on June 1 day! Jiangmen provident fund provider-Tencent has changed its public loans and discount loans. ...
1. There is little difference between commercial loan interest rate and provident fund loan interest rate.
2. The house purchased belongs to the second suite of provident fund loans.
4. What's the difference between discount loan and portfolio loan?
Discount loans and portfolio loans are both ways of housing loans, but their differences are as follows:
1. Loan discount means that the government or developers provide interest concessions to buyers, and buyers only need to repay the principal, and the interest is borne by the government or developers. Portfolio loan means that buyers can get loans from different banks or financial institutions to share interest rates and risks.
2. Loan discount is generally applicable to the housing subsidy plan launched by the government or developers, mainly to help low-and middle-income families obtain housing opportunities. Portfolio loan is an active loan method, and buyers can choose the most suitable loan portfolio according to their actual situation.
3. The interest of discount loans is borne by the government or developers, and the interest rate is usually low, but buyers need to bear certain loan procedures and other related expenses. The interest rate of portfolio loan is determined according to the market interest rate of each bank or financial institution, and the buyers need to bear all the interest and related expenses themselves.
Generally speaking, discount loans and portfolio loans are both ways to reduce the burden of buying houses, but there are great differences in the applicable objects, interest-bearing methods and expenses, so buyers need to choose the most suitable way according to their actual situation.