There are several ways to buy a house by loan: provident fund loan, commercial loan and portfolio loan.

Buying a house in full is the lowest interest rate among all ways of buying a house, and the preferential discount for developers to buy a house in full is greater than that for all loans, so developers can recover funds quickly. However, for property buyers, the financial pressure is great, although it can save a lot of loan interest, but the large amount of money needed to buy a house in full is unbearable for ordinary families.

2. Provident fund loans to buy a house

The interest rate of provident fund loans is lower than that of commercial loans, and the financial pressure on buyers is relatively small. Some property buyers with higher provident fund will deduct it directly from the provident fund account without paying it back for several years. However, the loan procedures are cumbersome and the loan is slow. Not only must the provident fund be paid in full and on time for a certain number of years before it can be used, but it also has certain restrictions on real estate.

3. Commercial loans to buy a house

Compared with provident fund loans, commercial loans have simple procedures and fast loans, and there are no restrictions on property buyers. Basically, you can buy a house with a commercial loan. However, the interest rate is relatively high, which has certain economic pressure on buyers compared with provident fund loans.

4. Portfolio loan to buy a house

The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.

However, if the borrower buys a house again after applying for a portfolio loan, it will be counted as a second suite. If you use the provident fund loan to buy a house directly, as long as the borrower pays off the first home loan and applies for the provident fund loan to buy a house again, it will still lend according to the first home standard.

What are the ways to buy a house by loan?

Buying a house by loan is a common practice now. Loans can reduce a lot of burdens for buyers and easily move into new houses. But the loan to buy a house should also choose the right method, so what are the loan methods for buying a house? Let's get to know it together! \ r \ n \ r \ n \ r \ n \ r \ What are the housing loan methods \ r \ n \ r \ n 1? Housing provident fund loan: this is a subsidy policy, the loan interest rate is lower than that of commercial loans, and the fees can be halved when handling mortgage loans; 2. Commercial loans: Commercial loans are also bank mortgage loans, and the amount of bank deposits cannot be less than 30% of the total house price; 3. Portfolio loan: The combination of provident fund and commercial loan is called portfolio loan. This kind of loan has moderate interest rate and large loan amount, so most people like this kind of loan. \ r \ n \ r \ n \ r \ nThe process of buying a house with a loan \ r \ n \ r \ n \ r \ n 1. Apply to the loan bank first, and bring the house purchase contract, ID card, housing provident fund savings card and the materials required by the bank, such as: \r\n\r\n\r\n2. After the application is made, the bank will review the lender's information and the actual situation of the house, and whether it meets the loan conditions. After the approval, you can sign a loan contract and a mortgage contract. Pay attention to the preservation of credit information, in order to successfully pass the audit. \r\n\r\n\r\n\r\n3。 After signing the contract, you can go through the loan guarantee formalities at the property right department, and then go through the home insurance formalities at the loan bank together with the loan contract, mortgage contract and mortgage certificate. \r\n\r\n\r\n4。 After that, a repayment agreement will be signed with the bank. Generally, a savings card will be used to withhold repayment. Lenders can choose the corresponding repayment period, and the bank will calculate the monthly repayment amount. The lender only needs to repay the loan according to the agreed time. \ r \ n \ r \ n \ r \ n \ r \ Xiaobian Summary: What is the content of the housing loan method briefly introduced here? I don't know if you understand it! There are many ways to buy a house loan, and the interest rate of each way is different, so you can learn as much as possible about these ways before lending.

There are several types of housing loans.

Legal subjectivity:

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. At present, individual housing loans mainly include entrusted loans, self-operated loans and portfolio loans. (1) Personal housing portfolio loans refer to loans issued to the same borrower by using housing provident fund deposits and credit funds to purchase self-occupied ordinary housing, which is a combination of personal housing entrusted loans and white camp loans. In addition, there are housing savings loans and mortgage loans. (2) Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, also known as provident fund loans, and the source of funds is housing provident fund deposits. (3) 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.

Legal objectivity:

Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

What are the ways to buy a house by loan?

Due to the sharp rise in housing prices, many people choose loans when buying a house, only need to make up enough down payment, and at the same time, the pressure is less. But for many people who buy a house for the first time, it is inevitable that the way to buy a house loan is unclear. The following small series briefly introduces several ways of buying a house loan, which I believe will bring you different views.

There are several ways to buy a house with a loan.

1, housing provident fund loan

At present, many companies will pay five insurances and one gold for their employees, and the so-called one gold refers to the provident fund. For residents who have paid the housing provident fund, low-interest loans for housing provident fund should be given priority when buying a house with loans. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period, but also lower than the deposit interest rate of commercial banks in the same period.

2. Personal housing commercial loans

Of course, for those who have not paid the provident fund, when buying a house, it is recommended to apply to a commercial bank for a personal housing guarantee loan, that is, a bank mortgage loan. As long as the balance of deposit in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment for house purchase, and the assets recognized by the loan bank are used as collateral or pledge to mortgage the loan.

3. Individual housing portfolio loans

Generally speaking, the maximum amount of the provident fund is 6.5438+10,000 to 290,000 yuan, so if you exceed this amount when buying a house, the insufficient part needs to apply for a commercial housing loan from the bank. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank.

What are the steps of buying a house loan?

First of all, property buyers need to meet certain conditions. Generally speaking, the down payment ratio will vary according to the number of houses owned by buyers and loan records. In addition, the down payment ratio of the first suite in the city is mostly 30%. Buyers can consult local banks in advance. Of course, before applying for a commercial loan, the materials should be prepared as much as possible to avoid wasting time in the application process. These materials mainly include ID card, household registration book, income certificate for half a year and running water certificate.

Summary: Well, the above is the introduction of several ways to buy a house loan. I hope I can give you some help. I believe that in the process of understanding several ways of housing loans, friends will be more handy and get their own satisfactory answers.

What are the ways to buy a house by loan?

There are three ways to buy a house by loan:

Housing provident fund loan. Personal housing commercial loan. Personal housing portfolio loan.

First, housing provident fund loans.

Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.

The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.

Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.

The second is personal housing commercial loans.

Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing, and it is a self-operated loan issued by the bank with its credit funds.

Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral. Mortgage loan is a kind of commercial loan.

The above two loan methods are limited to employees who pay housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.

As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan.

Matters needing attention in applying for personal housing commercial loans:

1. Make a comprehensive evaluation of the existing economic strength of the family, so as to determine the down payment and loan ratio. Generally speaking, the loan amount approved by the bank is less than or equal to the loan amount applied for, so as to avoid the default of the house sales contract caused by insufficient loan amount.

2. Make reasonable expectations for the family's future income and expenditure. Carefully formulate loan and repayment plans. If your expected income is risky and your expected expenditure is large, it will weaken your repayment ability and thus affect your repayment credit.

3. Budget solvency. The repayment ability is an important basis for determining the loan amount, and its calculation method is: the average monthly household income MINUS the average monthly household expenditure, and the possible changes in income and expenditure should be considered in the calculation.

4. Budget the maximum allowable loan amount. The loan amount with the same monthly repayment ability is the maximum tolerable loan amount.

5. The down payment principle is loose. Don't use up all the cash on hand in the down payment, leaving funds for the expenses of decoration, configuration, repayment, investment and entrepreneurship.

6. Evaluate the loan qualification of the house you bought. If the house is too old, the loan ratio may not meet your requirements, and some housing banks do not lend, such as auction houses. So as not to affect your house purchase plan due to the inability to borrow money or insufficient loan amount, or even default due to the inability to pay the seller's house price due to the loan.

Third, individual housing portfolio loans.

Personal housing portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. When handling personal housing commercial loan, he can also apply for personal housing provident fund loan. The borrower can use the purchased urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and apply for personal housing provident fund loan and personal housing commercial loan from the bank at the same time.

With the deepening of the reform of the housing system, the awareness of personal housing loans of banks is also increasing. The combined personal housing guarantee loan, which consists of housing provident fund loan and commercial loan, has become the need to establish a good housing finance system and realize the development of housing finance in China with equal emphasis on policy and commerce.

The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans together are called portfolio loans.

This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.

Relatively speaking, personal housing entrusted loans (provident fund loans) have the highest cost performance, and personal housing loans (commercial loans) have the heaviest interest burden.

An applicant for a house purchase loan shall meet the following conditions:

1, at least 18 years old, with full capacity for civil conduct and legal and valid identification.

2 have a stable income and the ability to repay the principal and interest of the loan on time.

3. Agree to use the purchased property as collateral.

4. Signed a real estate sales contract with the developer.

There are several ways to buy a house with a loan. What is the interest rate?

There are two kinds of housing loans, commercial loans and personal provident fund loans. The interest rates are as follows:

1, the benchmark annual interest rate of commercial loans: 0-6 months (inclusive), and the annual interest rate: 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;

2. Benchmark interest rate of personal provident fund loans: the benchmark interest rate of short-term loans for less than five years (including five years) is 2.75%; The benchmark interest rate for long-term loans over five years is 3.25%. However, the loan interest rate should be comprehensively evaluated according to the business variety, credit status and guarantee method applied by the lender.

The process of buying a house with a loan

1, to understand the credit situation.

First of all, if you want to borrow money to buy a house, buyers must first check whether the personal credit information meets the loan conditions, and the inspection-free house is also optimistic. When they are ready to buy, they find that their credit information is unqualified and they are in a passive position.

Step 2 know the bank

Before applying for a loan, buyers can go to the bank for consultation, asking about the loan application conditions, interest rate, approval time and lending time, and then comparing them and choosing a bank with high cost performance.

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