The first choice for mortgage is provident fund loan (30% down payment), followed by mortgage loan (20% down payment). The interest rate of provident fund 1-5 years is 3.33%, 5-30 years is 3.87%, 1-5 years is 4.03%, and 5-30 years is 4. 16%. ~ ~ ~ ~ ~ Personal housing provident fund loan is a special housing consumption loan based on housing provident fund, which is used to purchase, build, renovate and overhaul self-owned housing. Self-owned housing purchased by employees includes commodity housing, affordable housing, private housing, fund-raising housing, rebuild resettlement housing and public housing. Loan amount: The upper limit of the loan amount of provident fund is calculated as follows: the monthly amount of housing provident fund paid by loan employees ÷ the proportion of housing provident fund paid by loan employees ×0.45× 12× the actual loanable period. The amount of provident fund loans is generally required to be no more than 70% of the total housing price, and there is generally an upper limit. Loan term: up to 30 years. Loan interest rate: (1). From February 23, 2008, the interest rate of individual housing loans for housing provident fund will be raised, and the annual interest rate of loans with a term of less than five years (inclusive) will be adjusted from the current annual interest rate of 3.5 1% to 3.33%; Loans with a term of more than five years are adjusted from the current annual interest rate of 4.05% to 3.87%. (2) The interest rate of loans accepted and signed before and including February 22, 2008, and the adjusted interest rate of loans accepted and signed after February 22, 2008. The outstanding loans issued before June 23, 2008+February 23, 2009 shall be implemented according to the above notice from June 65, 438+October 65, 2009/kloc-0. ~ ~ ~ ~ ~ ~ ~ ~ Loan interest rate: 1. The housing loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China; 2. There are various interest rate determination methods such as floating interest rate, fixed interest rate and mixed interest rate to choose from; 3. At present, the best interest rate is 0.70 times the interest rate of the corresponding term grade. Loan term: the longest mortgage loan for a first-hand house in RMB shall not exceed 30 years, and the longest mortgage loan for a first-hand house in foreign currency shall not exceed 8 years. Loan amount: the maximum amount of mortgage loan for a first-hand house shall not exceed 80% of the value of the house purchased. ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ Applicable object: Property buyers who have paid part of the house price but lack the ability to continue to pay the remaining house price. Loan amount: 80% of the maximum housing loan amount. Loan Term: The term of second-hand housing mortgage loan is generally not more than 20 years, and the sum of the service life and mortgage life of the property is not more than 30 years. Loan interest rate: The loan interest rate, loans overdue interest rate and default interest rate shall be implemented in accordance with the relevant mortgage interest rate policies and management regulations of the People's Bank of China and the loan bank. ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~-These minutes are not just a little time for surfing the Internet and playing games. Please pay attention to your stingy friend: maybe wealth will pass you by! -If you want a loan, please visit Easy Loan China.-Online application is convenient and fast.-You will never charge any fees until you receive the loan! ! ! Easy Loan China matches financial institutions (banks/microfinance institutions) for you, saving you lower costs! Individuals can borrow 0.5-800,000 yuan and enterprises can borrow 0.5-50,000 yuan. -Easy Loan China, the largest independent online loan application network in China, cooperates with many banks in China (Bank of China/China Merchants Bank/Bank of Communications/Standard Chartered Bank, etc.). ) and has the most professional independent application system. There are many kinds of loans, and there is always one that suits you. As long as you submit your application online, Easy Loan China will review it for you as quickly as possible to solve the problem of tight funds for you. 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To get a loan, please go to /QuickLoan/index.jsp? Dashi = Wang Jian _ Miao Ge-Petty bourgeoisie is easy to borrow, relying on personal credit, I don't worry about living in Ruili! Friends who want to borrow money please go to /activity/product/ol.jsp? Dashi = Wang Jian _ Miange-Solve the problem of venture capital and help you realize your dream of creating wealth! If you want a loan, please go to /activity/product/startup.jsp? Dashi = Wang Jian _ Miange-This is where my online shop developed! Shopkeepers can borrow money easily. If you want to borrow money, please go to /activity/product/shopman.jsp? Dashi = Wang Jian _ Brother Miao-Help webmasters to seek funds and put their hopes on the website! Friends who want to borrow money please go to/activity/product/webmaster.jsp? Dashi = Wang Jian _ Miaoge-For more details, please visit the above website. The loan information is on the left and the unified application form is on the right. In order to keep the applicant's personal information confidential, E-Loan China online application does not need to fill in personal information such as ID card. Please fill in truthfully according to your own situation. -My personal QQ number is 5630 120 10, and I am online from time to time. If I am not online, the landlord can apply online, and the financing consultant will call you on the same day (9: 00- 18: 00) to provide you with a suitable financing plan. You can consult in detail then. -Don't expect the landlord to choose the answer, but you have to understand! An application can be submitted to multiple banks, which saves the time for lenders to go to major banks and reduces the loan cost. You might as well try, but it doesn't work, and there is no charge. -Friendly reminder: Please keep the phone/mobile phone open after online application, so that the financing consultant can contact you to verify the situation. If not, the application will be considered invalid. Easy Loan China makes it easy for you to get a loan. -Thank you very much for your concern and support for Easy Loan China! ! I wish you an early realization of your dream!
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