For example:
The applicant wants to borrow 400,000 yuan, but the maximum loan for provident fund is 300,000 yuan, and the maximum loan for commercial banks is 500,000 yuan. In this case, the eligible loan amount is 300,000 yuan. Considering the loan proportion of 300,000 yuan, the provident fund can borrow 300,000 yuan, and the commercial bank can borrow 6,543,800 yuan. Generally speaking, the application qualification of individual provident fund loans is stricter than that of commercial bank loans, so the two are the lowest and are classified according to the minimum standards.
For example:
1, Hunan individual provident fund requires that the maximum loan ratio of the first set of loans should not exceed 70% of the transaction price of the house, but the maximum loan ratio of commercial banks is generally 80%, so the minimum loan ratio should be taken for division.
2. The part of commercial bank loans is generally used to supplement the credit line of provident fund loans. After all, personal provident fund loans are relatively cheap. Therefore, if the provident fund management center has only 200,000 loans in terms of the maximum loanable credit line, down payment ratio and repayment level, but it needs 300,000 loans to buy a house, then the remaining 65,438+10,000 will need to apply to a commercial bank. The above is the introduction of "How to allocate the loan proportion of housing loan portfolio". I hope you can help everyone.
How to repay the student loan? Student loans can help poor students realize their dreams of going to school. Although you can enjoy preferential discount loans, it is still a loan in essence, and you may have to repay it after the application is completed. However, many people are not very clear about how to repay the student loan from the place of origin. Here is a brief introduction to the repayment time and several repayment methods of students' origin loans. There are two forms of timely repayment and early repayment, and the corresponding repayment time is different.
1, repayment on time
Students don't have to pay back the loans from their places during their college years, but only on the day of graduation. The repayment period is from 1 65438+1 October1to 65438+February 20th (the last year is September1to September 20th) every year before the expiration of the contract, and the repayment shall be made to the designated repayment account.
The actual repayment method is: 1. Recharge the Alipay account online to the account balance, and wait for the system software to automatically deduct the fee; 2. Or use your mobile phone to log in to UnionPay for flash payment, and make repayment according to the development bank's student loan WeChat applet; 3. You can also extend offline to the county student financial aid service center to apply for debit card and credit card repayment, and scan the QR code for repayment.
2. Advance payment
There are two kinds of prepayment: one-off prepayment and partial prepayment. You can choose to repay in advance before the contract expires. The actual repayment time is not clear, but the application must be submitted in advance. The system will specify the corresponding interest settlement date and interest limit according to the reporting time, and then the lender will make repayment.
The repayment method is the same as timely repayment, and the lender can choose any one. If the advance payment is submitted, it doesn't matter if it is not paid off in time because there is no money. The operating system is not easy to calculate overdue, so it can only deduct the loan interest of normal loans without any cost.
The above is the related content of "how to repay the student loan from the student's place of origin", and I hope it will help everyone.