The difference between business transfer and interest discount

The difference between discounted loans and portfolio loans

Discount loan, also known as public sector loan, is a policy discount business of personal housing guarantee loan jointly launched by housing fund management center, loan guarantee center and commercial banks. Property buyers can get loans directly from cooperative banks, without going to the center or the bank to go through two sets of procedures and pay two handling fees. In this way, the loan time may be saved from the previous months to only a few days. The spread between commercial loans and provident fund loans, the interest provided by the government housing provident fund is returned to the cooperative banks, and the final discount interest still falls on the lenders. Benefits of mortgage discount The existing procedures for portfolio loans are relatively complicated, and borrowers need to pay lawyer's fees, insurance fees, assessment fees for provident fund loans and mortgage registration fees for commercial loans. Discount business is that banks, funds and guarantee law firms accept personal loan, discount and guarantee application procedures, and borrowers only need to complete the application once, which simplifies the procedures and reduces the cost. Therefore, the discount loan is a backup policy when the amount of provident fund housing management center is insufficient. The difference between discount loans and portfolio loans is that the issuer and lending time are different, but the loan interest rate is the same.

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The difference between transferring commercial loans to provident fund and secondary discount-Baidu knows.

1 Answer: 2022,65438+1October 29th.

The best answer: The difference between provident fund discount loan and provident fund loan is that the loan provider of provident fund discount loan is the bank, while the loan provider of provident fund loan is the housing provident fund management center. in other words ...

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