2. Housing provident fund loans: Housing provident fund loans are for employees who have paid the provident fund. Due to the nature of policy subsidies, the loan interest rate is usually lower than that of commercial housing loans.
3. Portfolio loan: When the personal loan exceeds the maximum amount of housing provident fund loan stipulated by the local government, you can use the portfolio loan of provident fund and commercial banks. Portfolio loans are for individuals who pay housing provident fund and meet the conditions of commercial housing loans.
4. Housing savings loan: Housing savings loan refers to a loan method that is deposited in the bank in advance in order to obtain housing loans, which has the characteristics of "deposit first and then loan" and "fixed interest rate". After the deposit amount reaches the agreed loan conditions, the depositor can get a low-interest loan with the corresponding amount to pay for the house purchase.
Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132
2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate. The staff of a branch in Chaoyang District of Industrial Bank said that the current notice of the branch is that the interest rate of the first home loan will rise 10% on the basis of the benchmark probability. "The interest rates of other branches are not clear."
classify
housing loans
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
Self-operated loan
Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
Consortium lending
Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, 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.
way
There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.