Hello, portfolio loans and pure commercial loans have their own advantages and disadvantages. The advantage of portfolio loans is to save money, but the disadvantages are also obvious. Compared with pure commercial loans, the processing speed of portfolio loans will be slower, because it is two kinds of loans, and the formalities and expenses are much higher than pure commercial loans. If the borrower handles the portfolio loan through an intermediary company, it also needs to pay a certain service commission. Commercial loans The interest rate of pure commercial loans varies from bank to bank, and generally fluctuates when the national benchmark interest rate rises by 1%. Compared with portfolio loans, the procedures for handling commercial loans are relatively few and the processing speed is much faster. Generally speaking, portfolio loans are more cost-effective than pure commercial loans, and the details are as follows:

1. The greater advantage of portfolio loans is to save interest for buyers. The loan is 2 million yuan, and the monthly payment of pure commercial loans is 13,165.99 yuan, while the monthly payment of combined loans is 12,381.6 yuan, which is 784.93 yuan less than that of commercial loans. The total interest of using commercial loans is 1159838.9 yuan, and the total interest of portfolio loans is 971453.58 yuan, and the difference between them is 188384.51 yuan. Using portfolio loans can save your own interest on house purchase.

2. From the time of loan approval, the borrower can use commercial loans in 5? The bank can approve the loan within 7 days. After the transfer, the buyer and the seller complete the mortgage registration, and the bank can release the loan within 1 week after seeing his certificate of rights. Therefore, from the time of approving the loan and releasing the loan, the commercial loan has obvious advantages over the portfolio loan, and the processing speed is faster than that of the house purchase loan. Although the processing speed of commercial loans is fast, the cost of loans is also high.

3. From the comprehensive comparison, there are advantages and disadvantages in the use of portfolio loans and commercial loans. Buyers need to consult the relevant loan service agencies according to their own conditions, and then formulate corresponding strategies after finding out their own loan situation, so as to save the down payment and interest on buying a house.