What is the discount for provident fund loans? It is understood that housing provident fund discount loan refers to the business that banks pay provident fund borrowers in advance during the waiting period of provident fund loans. It is the business that the municipal housing provident fund management center subsidizes commercial loans according to the interest difference between commercial loans and provident fund loans, and then returns the commercial loans to banks. It is understood that the object of discount loan should meet the following conditions at the same time: 1, buy a house locally and meet the provident fund loan policy and the commercial housing loan conditions of the Bank; 2. Apply for provident fund loans at the provident fund center within the specified time (subject to the acceptance time). Before the discount loan year of 65438+February 3 1 (including today), the provident fund center will choose to handle the business of transferring provident fund loans to commercial housing loans from banks according to the discount loans. The Municipal Housing Provident Fund Management Center emphasizes that the discount loans are subject to dynamic management, and when the loan-to-deposit ratio of the provident fund is lower than 80%, it will stop accepting; When the loan-to-deposit ratio is higher than 90%, the discount policy will stop when acceptance is resumed upon approval.

Second, how to calculate the interest of housing provident fund discount loans?

Now buying a house has become a top priority for a family, and for those working-class people, it is particularly important to choose a good loan method because of lack of money. Housing provident fund discount loans are used to reduce the cost of buying houses and reduce the pressure of repayment. Therefore, it is recommended to use the housing provident fund discount loan to buy a house. 1. What is a housing subsidy loan? Housing provident fund discount loan refers to the business that banks first issue commercial housing loans to provident fund borrowers during the waiting period of provident fund loans, and the municipal housing provident fund management center gives subsidies according to the interest difference between commercial loans and provident fund loans, and then returns the commercial loans to banks after the provident fund loans are issued. Second, the conditions for applying for discount loans 1 must conform to the local provident fund loan policy and the conditions for commercial housing loans of banks; 2. Apply for provident fund loans at the provident fund center within the specified time (subject to the acceptance time). 3. Choose to transfer the provident fund loan to the commercial housing loan of the bank. Third, how to calculate the discount standard? The discount standard is the difference between the loan interest calculated according to the expected annualized interest rate of the bank's actual commercial housing loan and the expected annualized interest rate of the provident fund loan; If the expected annualized interest rate of commercial housing loans actually implemented by banks is higher than 95% of the expected annualized interest rate of benchmark bank loans in the same period, it shall be calculated as 95% of the expected annualized interest rate of benchmark bank loans in the same period. Interest calculation excludes overdue penalty interest and compound interest. 4. How much interest can a discount save? The maximum loan for both husband and wife is 500,000 yuan, and the 20-year loan is calculated by equal principal and interest. If the benchmark of commercial mortgage is converted into the expected annualized interest rate, the monthly payment is RMB yuan, which is equivalent to paying interest RMB yuan a year. And if the expected annualized interest rate of provident fund loans, the monthly payment is RMB, and the interest expense in the first year is RMB, that is to say, the interest expense can save RMB. This saving of nearly 7,000 yuan has indeed reduced the burden on property buyers. 5. Can I repay the loan in advance during the discount period? According to the "Measures", during the period of subsidizing bridge loan, the borrower shall not adjust the loan term and repayment method, nor shall he handle part of the prepayment; With the consent of the provident fund center and the loan bank, the borrower can pay off all the loan principal and interest in advance in one lump sum.

Three, how to calculate the housing provident fund loan interest?

At present, many property buyers will choose provident fund loans to buy a house. So, how to calculate and query the interest of provident fund loans? Next, Bian Xiao will popularize the knowledge about interest inquiry of provident fund loans for you.

Matters needing attention when applying for mortgage

When applying for a mortgage loan, the buyer must sign a mortgage loan contract with the bank. One of the important clauses in the contract is the agreement on interest rate. Mortgage contracts are mainly divided into two ways: monthly interest rate adjustment and annual interest rate adjustment. The monthly interest rate adjustment is to implement the new interest rate standard from the next month after the central bank's benchmark interest rate changes; Annual interest rate adjustment refers to the implementation of the new interest rate standard on New Year's Day next year after the change of the benchmark interest rate of the central bank.

Due to different loan interest rates and different preferential discounts, the actual reduced monthly supply will be different. Using the online mortgage calculator to calculate an account, if the loan is 6,543.8+0,000 yuan, the loan term is 20 years, the principal and interest are repaid in equal amount, and the benchmark interest rate is enjoyed. Now the monthly payment is 7,783.03 yuan (the interest rate before adjustment is 7.05%), and the monthly payment will be reduced to 7,485.20 yuan (the adjusted interest rate is 6.55%) from next month. The calculation formula of interest is: interest = principal x interest rate x deposit period X( 1- interest tax) monthly repayment: 1040.73 yuan.

The difference between equal principal and interest repayment and equal principal repayment

Matching principal and interest repayment method is to repay the same amount of loans (including principal and interest) every month during the repayment period, so that because the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.

The repayment method of equal principal is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, due to the large amount of principal in the early stage, the interest paid will be more, so the amount of repayment in the early stage will be more, and then it will be reduced every month. The advantage of this method is that it is more suitable for families with strong repayment ability.

(The above answers were published on 20 16-0 1-05. Please refer to the actual situation for the current purchase policy. )

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4. What is the interest on the discount loan?

The calculation formula is as follows: discount amount = repaid loan interest ×( 1- provident fund loan interest rate ÷ commercial loan interest rate.