Portfolio loan, buying a second-hand house in Shanghai, 25 years old, how to calculate the loan term? In addition to the down payment and monthly payment, what fees do you need to pay for buying a house? According to the situation you described: the general commercial loan is (50 years-the age of the house), that is, the commercial loan for the house you want to buy can be borrowed for 25 years; Commercial loans are paid monthly for a period of 25 years. Provident fund loan (35 years-house age) cannot exceed 30 years at most, and you can choose 15 years or less; In other words, you can borrow 15 for the provident fund loan of the house you want to buy, and the monthly payment of the provident fund loan is calculated according to 15. The monthly payment of portfolio loans is the monthly payment of commercial loans plus provident fund loans.

Fees to be paid for buying a house: ① Evaluation fee ② Mortgage registration fee ③ Housing insurance fee ④ Liquidated damages for early repayment of loan.

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