The equal principal and interest is 2026.74 yuan per month, and the average capital in the first month is 2611yuan, with a monthly decrease of 4. 1 yuan, with a total interest of 329,626.85 yuan, an average capital interest of 270,750 yuan and an equal repayment interest of 58,876.85 yuan.
Two, provident fund loans for 30 years. Now, can I change it to 20 years?
Can be changed.
3. Can the provident fund be changed from 30 years to 20 years?
Can provident fund loans change the loan period halfway?
Of course.
Take Changsha provident fund loan as an example:
1. Apply for changing the loan term.
After normal repayment 12, you can apply to change the loan term, and choose to extend or shorten the original loan term, but note that you can only apply for change once in the whole provident fund loan term.
2. Apply for prepayment of part of the loan.
After the normal repayment 1 period, you can apply for prepayment 1 time, with an interval of 12 months. Due to the reduction of loan principal, you can choose to shorten the loan life when you re-formulate the repayment plan.
Note, however, that using self-raised funds to repay some loans, the repayment amount is not less than 65,438+0,000 yuan each time; Handle the fund principal hedging business, and repay the part in advance, with a hedging amount of not less than 30,000 yuan each time; For hedging and self-financing, the repayment amount shall not be less than 30,000 yuan each time.
Second, a warm reminder
1, provident fund loan, even if the loan term can be changed, depends on whether the loan amount and repayment ability of employees meet the conditions.
For example, after 30 to 20 years, if the monthly debt has exceeded 50% of the family's monthly salary income, it cannot be changed.
2 provident fund loans choose to extend the loan period, the longest loan period shall not exceed the prescribed loan period, such as the longest loan period extended to 30 years.
Moreover, some provident fund centers may put forward conditions for extending the loan period, such as a serious decline in income, a major family illness or disaster. , depending on local regulations.
4. Can the provident fund loan be changed from 30 years to 20 years? What are the conditions for changing the repayment period?
Can the provident fund loan be modified for 30 years? Change repayment period conditions
If the borrower has applied for a provident fund loan for 30 years, but feels that the repayment time is too long and has some regrets, he can also choose to change the repayment period.
The prerequisite for changing the repayment period of the provident fund is that the loan has been successfully released and the repayment time has reached more than one year; The applicant is not overdue in the current state. If it is overdue, you need to pay off the overdue application.
After meeting the application conditions, the application time for changing the repayment period of the provident fund is: the third working day from the last agreed repayment date to the next agreed repayment date 15 days. You can apply for partial advance or shortening separately, or both.
Process of changing the repayment time of provident fund: the borrower needs to fill in the loan shortening application at the local housing provident fund center and submit it. After the submission is completed, the bank and the housing provident fund center will have a special person to review it. After the audit is completed, the borrower can send the shortened data or prepayment data to the bank before the next repayment date.
After that, the borrower needs to sign a supplementary loan contract agreement with the bank, which is signed and sealed by both parties. After completing the business, the bank will send the supplementary agreement to the provident fund center for the record.