After buying a house with a down payment of 30%, there is still 400,000 yuan left, but only 300,000 yuan can be borrowed from the provident fund. What if there is a shortage of100000 yuan? Personal housing portfolio loan refers to the borrower who meets the conditions of bank personal housing commercial loan and pays the housing provident fund at the same time. I can also apply for personal housing provident fund loans from banks while handling personal housing commercial loans. That is, provident fund loans and commercial loans are used at the same time. Generally, it is only used when personal loans exceed the maximum amount of provident fund loans stipulated by the local authorities. To apply for a portfolio loan, the preliminary examination procedure is the same as that of a provident fund loan. After passing the preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank. After the two loans are approved, the bank will transfer them to the account of the selling unit at the same time. In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented. Process: 1. Submit a loan application to the loan bank; 2. Bank audit; 3. Sign a loan contract with the loan bank; 4, to the property department for loan guarantee procedures; 5, for housing mortgage insurance procedures; 6. Sign the repayment agreement and transfer money; 7. Bank transfer. I suggest you confirm the cooperative bank through the house purchasing agent. It would be ideal if cooperative banks could handle commercial loans and provident fund loans. Just apply for a portfolio loan directly through the bank. You will need information such as ID card, work certificate and income certificate, and the bank will provide you with a list of information directly. If the developer's cooperative bank can't handle the provident fund loan, then you need to see if the developer can accept it. You can contact other banks for loans and then contact a bank yourself. Banks can apply for provident fund commercial loan portfolio first, and then apply for direct mortgage provident fund portfolio loan. This procedure is rather troublesome, so I suggest you reconsider the first one if it is impossible.
After the down payment, the difference is 200,000, but the provident fund is still 6.5438+0.4 million. I only need a loan of 60,000 yuan, and you can also apply for a provident fund loan, and the interest is very low. Is this completely correct?
550,000 yuan house down payment15,000 yuan, and the rest 10 yuan can be used for commercial loans. Hello, the housing loan can be divided into two loans, the first set can use provident fund loans and commercial loans, and the second suite can use commercial loans. The Notice on Standardizing the Second Housing Identification Standard in Commercial Personal Housing Loans (Jian Jian [2010] No.83) jointly issued by the Ministry of Housing and Urban-Rural Development, the Central Bank and the China Banking Regulatory Commission stipulates that the lender shall implement the second (or above) differentiated housing credit policy for the borrower under any of the following circumstances: (1) If the borrower applies for using the loan to purchase a house for the first time, such as in the place where the house is to be purchased. (3) The lender is convinced that the borrower's family already owns a house (or above) through due diligence in the form of credit record inquiry, face-to-face test and interview (home visit when necessary). There is no special explanation for the situation that the per capita living area is lower than the local average. Therefore, the second set of differentiated housing credit policies will be implemented when buying a house again. Specific matters can be consulted with relevant commercial banks. Hope to adopt, thank you.
The down payment of the house is 300,000 yuan, leaving 1.5 million yuan. How much can the provident fund borrow? Is it 1.5 million at most, or can it be more? The maximum amount is 1.5 million, which cannot be exceeded. If you want to exceed this amount, you must make a fake transaction contract with the intermediary company. In addition, the maximum loan amount of the provident fund is equal to: the balance of the provident fund ×2 the monthly contribution of the provident fund × 12× the retirement period ×2, with a maximum of 500,000. If the amount you calculate is less than 654.38+0.5 million, you can only borrow the amount in the above formula. For example, if you have a monthly provident fund in 200 yuan with a balance of 5,000 yuan and 20 years to retire, then the amount you can borrow is:/kloc-0 100002400× 40 = 94000, not150,000.
1.3 million house, I paid 390,000 down payment, leaving 91.00,760,000 provident fund and 1.5 million commercial loan. Maybe it depends on the bank. The average bank will require at least 200,000 commercial loans, depending on the qualifications of the lender. Jingying real estate loan ke
How to calculate the interest on buying a house with provident fund loans? I made a down payment of 220,000 yuan and a loan of 200,000 yuan. I intend to pay it off in ten years. Monthly contribution of provident fund: 208 1.46. If the funds are sufficient, you can apply for repayment one month in advance, and after the bank approves, you can pay off the house payment in one lump sum! No interest will be generated in the later period, but some banks need to pay a monthly penalty of 1-3 months or 1-3% of the loan amount to collect the penalty. Specific to the bank shall prevail! Test only
The master of buying a house will answer, thank you! I want to buy a house, the first set is 600 thousand, and my provident fund can only borrow 200 thousand. Is my down payment 400 thousand? If you want to make a pure provident fund loan, you can only borrow 200 thousand, so you have to pay 400 thousand down. There are many restrictions on provident fund and commercial portfolio loans. Your age and your spouse's income must be considered together to know how much you can borrow.
The down payment is 400,000 yuan, and the provident fund can only borrow 500,000 yuan to buy a house of 165438+ 10,000 yuan. Do you need to borrow the remaining 200 thousand? Provident fund loans require a balance, which is generally 10 times of the balance, that is to say, the balance is 30,000, and the personal loan limit in Tianjin is 40W. If you have a supplementary provident fund, you can borrow 50W if the balance is above 5W. The upper limit of provident fund varies from place to place. I wonder if the statement that the provident fund can only borrow 50W is the statement put forward by the Provident Fund Management Center and China Construction Bank about your personal provident fund deposit? If you haven't consulted these two places, you can't borrow 50W if the provident fund deposit is less than 5W. 1. For the purchase price, you can choose a combination loan of mortgage and provident fund. 2. Pay attention to the proportion of down payment to the total house price. The down payment for the first suite of 90 square meters is different, 20% or 30%. I don't know whether you bought an auction house or a second-hand house. If it is a second-hand house, you should prepare taxes and fees. If it is a second-hand house within 5 years, you should prepare the total house price of 6544. I hope it helps you.
I bought a house of 600,000 yuan and made a down payment of 300,000 provident fund loans. How much is the monthly repayment for 300 thousand years? The total loan amount is 300,000. The benchmark annual interest rate is 3.25%. The loan term is 65,438+008.065,438+0 yuan. The total repayment amount is 379,446,5438+0.8 yuan, and the interest payable is 7,944. Formula of equal principal and interest method (n is the number of months): monthly repayment amount = monthly interest rate of principal [( 1 interest rate) n/[( 1 interest rate) n- 1] The repayment amount in the first month of the average capital method is: 2479.438+07 yuan; The total interest on average capital is: 7353 1.25.
After paying the down payment, I still need to borrow 500,000 yuan, but my provident fund can only borrow100,000 yuan. In your case, you can totally combine loans. In other words, the remaining 400,000 will go to the bank to apply for a commercial loan.
2. How much can Zhengzhou single provident fund borrow?
Zhengzhou single provident fund can borrow 300 thousand.
The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. At the same time, relevant regulations require:
1. The loan amount shall not exceed the individual repayment ability, that is, the sum of the borrower's monthly deposit/the borrower's spouse's provident fund deposit/the borrower's spouse's provident fund deposit ratio ×50%× 12 (month )× the loan period;
2. The purchase of the first ordinary self-occupied house shall not exceed 70% of the purchased house price (if the construction area of Xing Tao is less than 90 square meters (inclusive), it shall not exceed 80% of the purchased house price).
3. The borrower (including spouse) shall have the ability to repay the principal and interest of the loan, and the average monthly income shall not be lower than the minimum living standard for urban and rural residents in this Municipality. Term of provident fund loan:
1. The longest term of housing provident fund loan is 30 years.
2. In principle, the sum of the borrower's age and the loan application period shall not exceed 5 years after his statutory retirement age, that is, male employees can borrow until 65 years old and female employees can borrow until 60 years old.
The maximum amount of housing provident fund personal loans will be raised to 300,000, and the maximum amount of husband and wife loans will be 600,000.
Third, Zhengzhou housing portfolio loan provident fund can only borrow 300,000 yuan, the difference is 65,438+10,000 yuan, and the down payment is 20. ...
What can I say? As we all know, all loans require interest, so it feels better to pay them in one lump sum. But one thing, if you invest your money or do something at one time, the return you get should be dwarfed by the interest. Hehe ~ ~ Smart people use other people's money to do their own things (of course, you have to give ta a little, that is, interest).
The most economical loan method is long-term loan and short-term repayment, that is, the loan with the longest term will be paid off in the shortest period. Of course, you have to pay liquidated damages, but compared with interest, it's nothing.
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Generally speaking, there are two kinds of housing loans: provident fund loans and commercial mortgage loans.
The first choice for mortgage is provident fund loan (30% down payment), followed by commercial mortgage loan (20% down payment).
Provident fund interest rate 1-5 years 3.33%, 5-30 years 3.87%.
Commercial (mortgage) loan interest rate 1-5 years 4.03%, 5-30 years 4. 16% (after 30% discount).
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