There are two repayment methods for personal housing provident fund loans: monthly equal principal and interest repayment method and monthly average principal repayment method.

The monthly equal principal and interest repayment method refers to the repayment method that the borrower repays the loan principal and interest unchanged every month, but the loan principal increases month by month and the loan interest decreases month by month.

The monthly average capital repayment method refers to the repayment method in which the borrower repays the principal regularly every month and the loan interest decreases month by month.

It should be noted that the personal loan of provident fund within one year should be repaid in one lump sum at maturity; Personal provident fund loans with a term of more than one year shall repay the loan principal and interest on a monthly basis.

I saw these on the bank's loan website. They have cooperated with many banks and are recognized by the banking regulatory bureau. There are many products, I don't know. Later, they helped me solve the loan through their customer service hotline, and it took me only seven days to get it done. You can go to the bank's website or call to ask. I don't know the specific telephone address. You can check for yourself and see if I can help you solve the loan problem.

2. What are the loan methods for housing provident fund?

Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself. So what are the housing provident fund loan methods? Personal housing provident fund loans: Personal housing provident fund loans are preferential loans that commercial banks entrust housing provident fund depositors to purchase, build, renovate and overhaul their own houses and raise funds for cooperative housing construction. Personal housing provident fund portfolio loan: refers to that when the amount of housing provident fund loan is insufficient to pay the house purchase price, the borrower applies for housing provident fund loan, and at the same time applies for commercial personal housing loan from the entrusted bank, and the two loans together form a portfolio loan. Housing provident fund loans in portfolio loans are approved by the management center, and commercial loans are approved by the entrusted banks. The real estate developer signs a cooperation agreement on commercial housing mortgage loan with the management center and the entrusted bank, and the real estate developer provides the borrower with a phased guarantee and deposits a deposit according to a certain proportion of the total loan. After completing the property right certificate and mortgage registration, the guarantee responsibility is terminated and the purchased house is converted into mortgage guarantee. The borrower applies for a loan from the management center. After approval, the entrusted bank signs a loan contract with the borrower and goes through the formalities of using the loan. Personal housing provident fund replacement portfolio loan: Personal housing provident fund replacement portfolio loan is a commercial housing loan issued by the bank to the borrower (the employee who paid the housing provident fund), and then the entrusted bank applies for the provident fund loan to the management center on behalf of the borrower. The borrower's provident fund loan amount is controlled within its basic provident fund loan amount and does not exceed 70% of the commercial housing loan amount, and its basic provident fund loan period is shorter than the commercial housing loan period by more than 1 year.

3. Is there only one way of housing provident fund loan with equal principal and interest?

Housing provident fund loans are only waiting for you, whether it is provident fund loans to buy a house or ordinary, they are equal principal repayment and equal principal and interest repayment. Let me tell you the advantages and disadvantages of these two repayment methods in detail:

Average capital: the principal to be repaid every month is the same. As the principal gradually decreases, the interest will be paid in lump sum.

Equal principal and interest: the monthly repayment amount is the same. Part of it is used to pay interest and part is used to pay principal.

For property buyers, the difference between the two methods will produce very different results. Matching principal repayment can quickly reduce the repayment pressure and reduce the money that buyers spend on interest, but prepayment is very painful. And more people choose equal principal and interest.

Relatively speaking, under the repayment mode of average capital, the repayment interest will be less than the total interest of equal principal and interest repayment. Take the loan of 200,000 yuan, the term is 20 years, and the current interest rate as an example. The equal principal repayment is 72,253.97, and the average total interest of capital is 65, which is less than the equal principal and interest repayment.

The total interest of equal principal and interest will be about 6,543,800 yuan higher than the average capital. Although the interest is relatively high, why is it high?

Economists choose the repayment method of equal principal and interest more.

The main reason is that although the average capital will eventually save about 6,543,800 yuan, the average capital paid more in previous years. So although there are some, in the previous eight years, the repayment pressure of equal principal and interest was greater, and the benefits of less interest were not felt at all. From this point of view, the repayment pressure of equal principal and interest repayment. At the same time, for the purchase of a house with a small down payment, a larger loan can be supported. SouFun Chengdu second-hand house answers for you, hope to adopt!

Housing provident fund loan is just a loan method with equal principal and interest! Whether it's reserve or installment payment, there are repayment methods of equal principal and interest. I'll tell you in detail below.

Average capital: Just like the principal that needs to be repaid every month, with the gradual reduction of the principal, the interest will gradually decrease.

Equal principal and interest: the monthly repayment amount is the same. Part of it is used to pay interest and part is used to pay principal.

For property buyers, there are two very different results. Matching principal repayment can quickly reduce the repayment pressure and reduce the money that buyers spend on interest, but prepayment is very painful. And more people choose equal principal and interest.

There is only one repayment method of equal principal and interest for provident fund loans, right? At present, the two most commonly used repayment methods are equal principal and interest repayment method and average capital repayment method.

1.

Matching principal and interest repayment method: that is, the borrower repays the loan principal and interest with the same amount every month. In this way, at the initial stage of repayment, the interest expense is the most, and the principal is relatively small. In the future, with the gradual reduction of monthly interest expenses, the returned principal will gradually increase.

2.

Average capital repayment method, that is, the borrower repays the same amount of loan principal every month, and the interest decreases month by month with the principal, and the monthly repayment amount also decreases month by month.

Summary: Under the condition of the same loan time, the interest paid by the equal principal and interest repayment method is higher than that by the average capital repayment method. Therefore, if you plan to repay in advance, you'd better choose the average capital repayment method. Depending on the repayment method, the borrower can choose to reduce the mortgage loan for this period or reduce the mortgage loan in full.

Why can housing provident fund loans only equal principal and interest? Because the relevant policies of different cities are different, you can contact the personal loan department of local outlets directly to confirm whether there is provident fund loan business in your area and related business regulations!

Is there only one loan method for housing provident fund? You can apply for a loan after six months of continuous repayment.

Apply for provident fund loans must meet the following conditions:

1. The borrower is a natural person of China nationality with full civil capacity;

2. When applying for provident fund loans, an account has been opened and remitted in full, and the period is not less than the period announced by the management center regularly;

3, with legal and effective housing sales contracts or documents approved by the relevant departments to build and repair houses;

4. The down payment for house purchase shall not be less than the specified proportion;

5. The borrower has a stable economic income and the ability to repay the loan principal and interest, has a good personal credit report, and has no other debts that affect the loan repayment ability;

6, the purchase, construction and repair of housing land is state-owned land; Take the house purchased, built or repaired as collateral.

The housing provident fund loan of 200,000 yuan will be paid off in 20 years. The annual interest rate of the loan is 4.70%. The equal principal and interest method pays the same interest and principal every month, but the principal and interest are different. Generally speaking, in the monthly repayment amount, the interest is the most in the first month and the principal is the least, and then it changes gradually. Intermediate principal and interest are similar, then principal accounts for a large proportion and interest accounts for a small proportion.

You borrow 200,000 yuan with a term of 20 years, and the interest rate is calculated at 4.7%. Your monthly repayment is 1, 286.99 yuan, and the total principal and interest is 308,878. 1. 3 yuan, in which the interest is1,088.6438+0.3 yuan.

I have listed the repayment details of the first 12 months and the last 12 months as follows:

Monthly repayment, including principal, interest and residual principal.

1 1286.99503.66783.33 199496.34

2 1286.99505.6378 1.36 198990.7 1

3 1286.99507.6 1779.38 198483. 10

4 1286.99509.60777.39 197973.50

5 1286.995 1 1.60775.40 19746 1.90

6 1286.995 13.60773.39 196948.30

7 1286.995 15.6 177 1.38 196432.69

8 1286.995 17.63769.36 1959 15.06

9 1286.995 19.66767.33 195395.40

10 1286.9952 1.69765.30 194873.7 1

1 1 1286.99523.74763.26 194349.97

12 1286.99525.7976 1.20 193824. 18

229 1286.99 1228.0258.98 13829.80

230 1286.99 1232.8354. 17 12596.97

23 1 1286.99 1237.6549.34 1 1359.32

232 1286.99 1242.5044.49 10 1 16.82

233 1286.99 1247.3739.628869.45

234 1286.99 1252.2534.7476 17. 19

235 1286.99 1257. 1629.836360.04

236 1286.99 1262.0824.9 15097.95

237 1286.99 1267.03 19.973830.93

238 1286.99 127 1.99 15.002558.94

239 1286.99 1276.97 10.02 128 1.97

240 1286.99 128 1.975.020.00

I hope the above will help you.

There are two ways of housing accumulation fund: average capital and equal principal and interest. The monthly payment of housing provident fund loans includes average capital and equal principal and interest.

The differences between the two repayment methods are as follows:

Matching principal and interest is also called regular interest payment. This repayment method is that the borrower repays the same amount of loan (including principal and interest) every month during the repayment period, and the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month. That is to say, in the matching principal and interest method, banks generally collect the interest of the remaining principal first, and then the principal, so the proportion of interest in the monthly payment will decrease with the decrease of principal, and the proportion of principal in the monthly payment will increase, but the total monthly payment will remain unchanged.

Advantages: the monthly repayment amount is the same, and the repayment is stable.

Disadvantages: paying more interest.

Average capital is also called unequal interest repayment method. This repayment method is to distribute the total amount of loans evenly during the repayment period, and repay the equal principal and interest generated by the remaining loans in the current month every month. In this way, because the monthly repayment amount is fixed and the interest is getting less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is getting less and less. That is to say, in the average capital method, the amount of principal returned every month is always the same, and the interest decreases with the decrease of the remaining principal, so the monthly repayment amount is gradually reduced.

Advantages: You can save more interest.

Disadvantages: the early repayment pressure is great.

The two repayment methods have their own characteristics and are suitable for different buyers. It is more suitable for young buyers with higher income and early repayment plan to choose average capital's repayment method; Matching principal and interest is suitable for families with relatively stable income and not much initial investment. In other words, property buyers should analyze the specific situation and choose the repayment method according to their repayment ability. If the income is high, the repayment method in average capital will save more interest.

The housing provident fund loan is 450,000 yuan, and the loan is 19. According to the loan interest rate of 3.25% on August 26, 2065,438+2005, the repayment amount is 2647.97 yuan.

How to calculate the principal and interest of housing provident fund loans? 1-5 years is 4%, and over 5 years is 4.5%. The benchmark interest rate is 5.65% for commercial banks with a term of more than 5 years. Banks may adjust interest rates, state-owned banks generally remain unchanged, and some commercial banks may cut interest rates in order to attract lenders.

If the interest rate of the second suite goes up 1. 1 times.

Also, it depends on whether you choose average capital or equal principal and interest. Simply put, the average capital decreases month by month, and the equal principal and interest are the same every month.

As for how to calculate, there is a calculator online, right?

It is more cost-effective if the average capital has a greater chance to repay tens of thousands of loans at one time after one year of repayment.