Calculation method:

1. The total amount of first-hand housing loans shall not exceed 80% of the total house price.

2. The total amount of second-hand housing loans shall not exceed 65% of the total house price.

3. The amount is calculated by housing accumulation fund, individual housing loan and individual housing commercial loan.

Personal housing portfolio loans, that is, provident fund loans and commercial loans are used at the same time. Generally, it is only used when personal loans exceed the maximum amount of provident fund loans stipulated by the local government. For example, buying a high-end house requires a loan of 500,000 yuan, while the local provident fund management center stipulates that the maximum provident fund loan is 400,000 yuan.

The commercial individual housing loan in the loan is implemented at the interest rate of individual housing loan. The benchmark interest rate for bank loans is 5. 1% within one year, 5.50% for 1-5, and 5.6% for more than five years.

The part of the provident fund loan is implemented according to the interest rate of individual housing provident fund loan. The loan interest rate for the implementation of provident fund: 3.25% within five years (inclusive) and 3.75% over five years.

Extended data:

Personal housing portfolio loan management:

Individual housing portfolio loans are jointly managed by the housing provident fund management center and the entrusted bank, and both parties bear risks and enjoy rights according to the proportion of portfolio loans.

The borrower opens a deposit account in the bank for repayment, and deposits the repayment amount of the current month before the 20th of each month. The bank will deduct the principal and interest of the housing provident fund loan and the commercial loan respectively.

When loans overdue (fails to repay the loan at the agreed time), both parties shall jointly collect the money.

If the borrower applies for early repayment of the loan, it shall repay the loan in advance according to the proportion of the balance of the provident fund loan and the commercial personal housing loan in the month of application. It is not allowed to return provident fund loans and commercial personal housing loans separately in advance.

When the borrower fails to fulfill the repayment obligation, the bank will dispose of the collateral according to law, and both parties will compensate according to the loan ratio and bear the expenses.

Baidu Encyclopedia-Personal Housing Portfolio Loan