Because pure commercial loans have preferential discounts.

For the first suite, the down payment ratio of portfolio loans and pure commercial loans is 30%, so portfolio loans have no advantage over commercial loans. In addition, the procedures of portfolio loans are complicated and the lending speed is slow, and many banks are also unpopular. Therefore, buyers know their own provident fund loan amount and the interest rate of pure commercial loans from banks. It is better to calculate an account first and see if the portfolio loan is really cost-effective. If not, it is recommended to use pure commercial loans.

Second, what are the characteristics of portfolio loans?

Advantages:

1, with medium interest. Commercial loan part, using commercial loan interest; Provident fund loans, the use of provident fund loan interest.

2. Because it is a combination of provident fund loans and commercial loans, the loan amount is relatively high.

Disadvantages:

1, long processing time.

Because portfolio loans involve both provident fund loans and commercial loans, they need to be reviewed twice, and commercial loans can only be released after the mortgage registration, which also makes portfolio loans take longer than pure commercial loans and pure provident fund loans, resulting in a low acceptance of this loan method by many owners.

3. What are the advantages of portfolio loans?

Portfolio loan refers to the borrower who meets the conditions of individual commodity housing loan and pays housing provident fund at the same time, which meets the conditions of provident fund loan. In addition, when applying for personal housing commercial loans, you can also apply for personal housing provident fund loans, which are called portfolio loans. The provident fund loan of portfolio loan is implemented according to the interest rate of individual housing provident fund loan, and the commercial loan part of portfolio loan is implemented according to the commercial loan standard of individual housing of loan bank.

So what are the advantages of portfolio loans?

1. Separate interest calculation

Portfolio loan means that mortgage is divided into two parts, one is provident fund loan, the other is commercial loan, and the loan interest is calculated separately. As we all know, the interest rate of provident fund loans is relatively low, so the overall interest of portfolio loans will be much less than that of applying for commercial loans.

2. The loan amount is relatively high.

Some property buyers meet the conditions of provident fund loans, but when applying for loans to buy a house, they choose portfolio loans, probably because the loan amount is not enough. You should know that there is a maximum amount of provident fund loans. The use of portfolio loans can solve the embarrassment of insufficient provident fund loans. Portfolio loan is a combination of provident fund loan and commercial loan. If the loan is insufficient, you can apply for commercial loan.

What problems should I pay attention to when applying for portfolio loan?

1. Pay attention to the loan conditions.

Different loan methods have different loan regulations, and applying for portfolio loans also needs to meet certain conditions. Because portfolio loan is a combination of provident fund loan and commercial loan, applying for portfolio loan needs to meet the requirements of provident fund management center and loan bank. Most cities stipulate that the housing provident fund needs to be continuously deposited for more than 1 year to reach the provident fund loan standard. As far as banks are concerned, they need to have sufficient repayment ability to successfully apply for portfolio loans.

2. Pay attention to the repayment method

First of all, property buyers must use the maximum amount of low provident fund, which is more cost-effective. Secondly, you can choose the loan method or the repayment method. At present, there are two main repayment methods to choose from, one is equal principal repayment, and the other is equal principal and interest repayment recommended by the bank. Neither method is suitable for buyers. If you have a high income, a stable job and don't want to pay too much loan interest, you can choose the repayment method in the average capital.

3. Pay attention to prepayment.

Many homebuyers will have the idea of prepayment after buying a house with a loan. Buyers who apply for portfolio loans to buy a house must pay attention to the fact that they can repay in advance, but it is not very cost-effective to distinguish between provident fund loans and commercial loans. Property buyers can choose to repay commercial loans in advance.

4. What are the advantages of portfolio loans?

You can make up the provident fund loan, but the interest is relatively small.