1. Personal housing portfolio loan refers to the loan granted to the same borrower to purchase self-occupied ordinary housing based on housing provident fund deposits and credit funds, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans. Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc. Loan amount: 80% of the value of the loanable property after being audited by the bank. Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.
Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.
Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.
Second, four credit card repayment methods
While the credit card provides us with convenience, how to make credit card repayment save money and worry is very important. At present, the well-known credit card repayment methods mainly include counter repayment, online banking, self-service terminal transfer repayment, and automatic repayment of agreed accounts.
1, UnionPay is safe and practical online.
The online repayment service of UnionPay means that credit card holders transfer the funds in their debit cards to credit cards through the UnionPay website. In order to ensure the safety of funds, UnionPay online payment requires repayment with the same name, that is, it must be verified by the real names of debit cards and credit cards and confirmed as the same name cards before repayment can be initiated.
At present, some banks have opened the repayment function of the same name, which is free to use during the promotion period. UnionPay does not charge users inter-bank and inter-regional fees, and can operate directly without opening online banking service at the counter. The maximum monthly credit card repayment limit for cardholders is 20,000 RMB, that is, no matter how many credit cards or debit cards are used, the repayment on this platform cannot exceed 20,000 RMB per month. Due to the different posting time of different credit card centers, the posting time is generally before 12 on the third working day after repayment operation, and it will be postponed in case of weekends and legal holidays. It is understood that only 10 banks can provide real-time feedback at present. Moreover, the transfer and transfer of bank cards are not comprehensive.
2. Fast money supports multiple lines.
Compared with UnionPay Online, the advantage of "quick money" lies in supporting more debit cards and credit cards. Debit cards of the four major banks and 2 1 banks such as Bank of Communications, China Merchants Bank, Minsheng, Xingye and Pudong Development Bank can be transferred, and credit cards of ICBC, Agricultural Bank of China and China Construction Bank can be repaid here. And like UnionPay Online, the online repayment service provided by Kuaiqian does not charge any fees.
For the time of arrival, there are the following repayment methods. Bank of Ningbo's real-time account, Shanghai Pudong Development Bank T+ 1, China Merchants Bank, Xingye, China Everbright, Bank of Communications T+ 1, CITIC T+2, ICBC, ABC and CCB T+3. I would like to remind you that in case of holidays, the arrival time of the account will generally be delayed, so in order to avoid exceeding the repayment period, it is recommended that you repay the account five days in advance.
It is also understood that "quick money" does not support the repayment method of "credit card to credit card", nor does it support other people's credit card repayment.
3. Alipay is fashionable and convenient
There are three ways to repay the credit card on Alipay: online banking on Alipay platform, Alipay cartoon and withdrawing the balance, in which withdrawing the balance to Alipay account can be used for repayment. At present, this business is free. It should be noted that you can also repay others' credit cards through online banking, and you can only repay yourself through cartoons or cash withdrawals, but you can't repay others. At present, Alipay does not support "credit card repayment" for the time being, and all the transaction funds for credit card repayment will be returned to the original card within 3 ~ 5 working days. Among several banks that can repay credit cards with Alipay accounts, China Merchants Bank can receive the accounts in one day, GDB, ICBC and Bank of Communications can receive the accounts in two days, and the time for online account inquiry will be delayed by one day.
In addition, in terms of security, Alipay launched a digital security certificate to share with banks. However, these security measures also have their own shortcomings. For example, the use of digital certificates is not particularly convenient and needs to be downloaded and installed. Generally speaking, it is aimed at fixed computers and only suitable for high-end users.
4. "Lacarra" anytime and anywhere
To use Lacarra to repay the loan, you only need to swipe any debit card with the UnionPay logo at the outlet equipped with Lacarra equipment to transfer money to the credit card. These outlets are generally located in supermarkets, pharmacies and convenience stores. After repayment, the credit line will be resumed within three working days at the latest, but the regulations of each bank are different. For example, China Merchants Bank and China Everbright need to make repayment three working days before the due repayment date, Agricultural Bank of China and Bank of China need to make repayment two working days before the due repayment date, and Guangfa needs to make repayment one working day before the due repayment date, otherwise the bank will charge a late fee, and Industrial Credit Card supports repayment at any time. Therefore, it is best to complete the repayment three working days before the final repayment date. There is no handling fee for repayment through Lacarra, and there is no handling fee for repayment of debit cards and credit cards from different banks.