Provident fund loan guarantee fee
According to the "Housing Provident Fund Management Conditions", the application for housing provident fund loans must provide guarantees. You can choose two natural persons to guarantee, or you can choose a guarantee company recognized by the housing provident fund management center. In fact, it should be noted that when applying for provident fund loans, you need to apply for insurance or guarantee in accordance with state regulations, and you can choose one of them according to the principle of voluntary borrowers. And in general, the housing provident fund loan guarantee is borne by the guarantee company.
Many people have never heard that housing provident fund loans need to pay a loan guarantee fee, because the provident fund loan guarantee fee is included in the down payment. However, regarding whether the guarantee fee of the provident fund loan will be refunded, the person in charge of the provident fund management center said that the guarantee fee will only be refunded if the borrower "repays in advance", and the specific refund amount needs to refer to the contract agreement between the borrower and the guarantee company. Although most guarantee companies promise to refund the guarantee fee in full, the borrower must specify the refund of the guarantee fee in the contract!
Calculation method of guarantee fee for provident fund loan
Payment method of guarantee fee for provident fund loan: loan amount *4.5/ 10000* loan period.
Case study on the calculation of guarantee fee for provident fund loans
Example: If the borrower borrows 400,000 yuan and the loan term is 20 years, the guarantee fee paid is 400,000 * 4.5/ 1 10,000 * 20 = 3,600 yuan.
If the borrower borrows 300,000 yuan and the loan term is 30 years, the guarantee fee paid is: 300,000 * 4.5/ 1 10,000 * 30 = 4050 yuan.
(The above answers were published on 20 13-04-26. Please refer to the actual situation for the current purchase policy. )
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