Personal housing loans include mortgage loans and mortgage loans, among which mortgage loans can be subdivided into provident fund loans, commercial loans and their combination loans. Borrowers who have already made mortgage loans will also involve increasing or decreasing the mortgage (that is, increasing or decreasing the loan amount in the same loan contract), transferring loans (that is, changing the original loan bank to other loan banks or transferring the loan house) and so on.
Mortgage loan is only used for commercial loan mode.
Among mortgage loans, those who have no provident fund or have paid less than 12 months can only apply for commercial loans; On the contrary, you can apply for provident fund loans. If the balance of the provident fund is less than the monthly repayment amount of the mortgage, you can apply for a portfolio loan, that is, some loans enjoy the low interest rate of the provident fund loan, and other loans use the commercial loan interest rate.
The risk of individual housing loan lies in whether there is enough money to repay the monthly loan principal and interest after meeting the basic monthly life.
There are many repayment methods now, but they are mainly divided into three categories:
Matching principal and interest, that is, if the interest rate remains unchanged during the loan period, the monthly repayment amount is the same, which is easier to calculate and deposit, but the total interest of the loan is slightly higher;
The average capital, that is, the early repayment amount is higher than the late repayment amount, and the total interest is lower first, but the early repayment amount is slightly higher, which is difficult to calculate. It is likely to be counted as overdue by the personal credit information system of the current bank and bear overdue liquidated damages or penalty interest;
Combination repayment, that is, when the bank signs a contract, it will be repaid in a cycle of 5 years. The loan principal repaid in each cycle is different according to the expected income, and the repayment amount is also different. The disadvantage is that the future is difficult to predict and it is easy to make repayment in the future.
In addition, there is a locked interest rate repayment, that is, a fixed interest rate is set in the loan contract, and the interest will not rise or fall with the PBOC policy, and liquidated damages will be paid for early repayment;
Biweekly repayment, that is, repayment twice a month, can save interest, but repayment twice a month is busy enough, and once repayment is not made on time, penalty interest will be imposed, which is not cost-effective.
To sum up, I don't know whether you are satisfied or not. If you have any questions, please contact me at 5 166305 1.
2. What is the interest rate of Anxin loan of Rural Commercial Bank?
The minimum is 4.5%.
The Rural Commercial Bank of China provides loans to formal employees involved in epidemic prevention and control, such as medical and health systems and public security systems, with a minimum interest rate of 4.5%. The loan funds are only used for personal consumption such as housing decoration, purchase of large-scale durable consumer goods, education, tourism and medical care (excluding house purchase and car purchase).
The security credit introduced by Huaxian Rural Commercial Bank has the advantages of lower interest rate, faster lending, pure credit, no mortgage, no guarantee, recycling, and pay as you go. As the main financial force to help local economic development, hua county Rural Commercial Bank has always adhered to the fundamental purpose of customer-centered, anxious about customers' urgent needs, thinking about customers' thoughts, understanding customers' needs, enriching product types, innovating product forms, and providing customers with better and more convenient services.
3. How to operate the fixed interest rate of China Bank mortgage in mobile banking?
Recently, many people have received the mortgage interest rate from China Bank, so how to operate the mortgage interest rate conversion of China Bank?
Bank of China?
1 Download and log in to "Bank of China" mobile banking, and click "Loan" in the menu bar on the home page;
2 click on "lpr interest rate zone" and select "convert LP"
3 Select the repricing period, repricing date and interest rate conversion method, and then click Next to complete the conversion.
In addition, if there is a loan from the same borrower, the conversion application needs to be submitted by the main borrower, and all the same borrowers need to confirm it within 7 days from the day after the main borrower submits the application. If you have any questions, please call the Bank of China.
Four, China Bank fixed interest personal housing loan guarantee?
Bank of China fixed-rate personal housing loan guarantee: 1. When purchasing a first-hand house, the loan guarantee methods are mortgage guarantee, pledge guarantee and other guarantee methods recognized by the lender. Lenders and borrowers can choose the guarantee method through consultation according to specific conditions. When buying a second-hand house, the loan guarantee method is limited to mortgage guarantee and pledge guarantee in principle. (1) If applying for a loan by mortgage, the mortgagee and the mortgagor shall conclude a mortgage contract in writing. Collateral and mortgage contract shall comply with the relevant provisions of the Guarantee Law of People's Republic of China (PRC). Collateral should first be the house owned by the mortgagor or the house purchased in advance; Secondly, the right to use state-owned land obtained by the mortgagor according to law and other effective property recognized by the lender can be used. (2) To apply for a pledge loan, the pledge method can be chattel pledge or right pledge, and the pledgee and pledger must sign a written pledge contract. Where the rights are pledged, the pledges are generally bank deposit certificates, government bonds, financial bonds, national key construction bonds, AAA corporate bonds, etc. And the shares are not pledged for the time being. Where registration of pledge is required, it shall be registered in accordance with the relevant provisions of the Guarantee Law of People's Republic of China (PRC). The relevant contents and effective date of the pledge contract shall comply with the relevant provisions of the Guarantee Law of People's Republic of China (PRC). If the lender thinks notarization is necessary, the borrower (or pledger) shall handle notarization. (3) If the mortgaged (pledged) property needs to be appraised, it can be appraised by the lending bank or entrusted by an asset appraisal institution recognized by the lender. If the house purchased by loan is mortgaged, the mortgage rate shall not exceed 70% of the value of the mortgaged property, and if other houses are mortgaged, the mortgage rate shall not exceed 70%; Pledge with bank certificates of deposit or voucher-type treasury bonds with the same term, and the pledge rate shall not exceed 90% of the value of the pledged property; Where other securities are pledged (stock pledge is not accepted for the time being), the pledge rate shall be determined in strict accordance with the value of the pledged property. Due to the differences in business in individual regions, please consult the BOC outlets or call the BOC customer service hotline 95566 (please call 86 10-95566 for overseas, Hong Kong, Macao and Taiwan regions) for details. (4) Where a loan is applied by way of guarantee, the borrower shall provide a third-party joint liability guarantee recognized by the lender. The guarantee provided by the third party is an irrevocable and fully effective joint and several liability guarantee, which must comply with the provisions of the Guarantee Law of People's Republic of China (PRC). The guarantor and the creditor shall conclude a guarantee contract in writing. If the guarantor loses its guarantee ability, goes bankrupt or is separated, the borrower and the guarantor shall promptly notify the lender, re-provide full guarantee and re-sign the guarantee contract. 2. Conditions for undertaking guarantee liability: If applying for a loan by way of guarantee, the borrower shall provide a third-party joint liability guarantee recognized by the lender. The guarantee provided by the third party is an irrevocable and fully effective joint and several liability guarantee, which must comply with the provisions of the Guarantee Law of People's Republic of China (PRC). The guarantor and the creditor shall conclude a guarantee contract in writing. If the guarantor loses its guarantee ability, goes bankrupt or is separated, the borrower and the guarantor shall promptly notify the lender, re-provide full guarantee and re-sign the guarantee contract. Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation. The above contents are for your reference. Please refer to the actual business regulations.