Portfolio loan interest rate

Interest rate of individual housing portfolio loan: the commercial individual housing loan in the loan is implemented according to the interest rate of individual housing loan. The current benchmark interest rate for new bank loans in 20 15 years is 5. 1% within 2015 years, 5.50% in 1-5 years, and 5.6% in more than 5 years.

The part of the provident fund loan is implemented according to the interest rate of individual housing provident fund loan. The current interest rate adjustment of provident fund loans shall be implemented in May 1 1, 2065438. The interest rate is 3.25% within five years (inclusive) and 3.75% above five years.

Portfolio loan, buying a second-hand house in Shanghai, 25 years old, how to calculate the loan term? In addition to the down payment and monthly payment, what fees do you need to pay for buying a house?

According to the situation you described: the general commercial loan is (50 years-the age of the house), that is, the commercial loan for the house you want to buy can be borrowed for 25 years; Commercial loans are paid monthly for a period of 25 years. Provident fund loan (35 years-house age) cannot exceed 30 years at most, and you can choose 15 years or less; In other words, you can borrow 15 for the provident fund loan of the house you want to buy, and the monthly payment of the provident fund loan is calculated according to 15. The monthly payment of portfolio loans is the monthly payment of commercial loans plus provident fund loans.

Fees to be paid for buying a house: ① Evaluation fee ② Mortgage registration fee ③ Housing insurance fee ④ Liquidated damages for early repayment of loan.

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Can second-hand houses be mixed with loans?

Second-hand housing loans can be mixed. Eligible buyers can apply to the housing provident fund management center for issuing provident fund loans, and those who exceed the maximum amount of provident fund loans can apply to the bank for commercial housing loans.

Generally, first-hand houses can be combined with loans, but the procedures are more troublesome, and there are fewer second-hand houses because the two evaluation prices are different. If you consider buying a first-hand house, go directly to the developer to make a portfolio loan.

It should be noted that the amount of second-hand housing loans is calculated according to the appraisal results for the purpose of mortgage guarantee, not the transaction price of the house. The process of applying for provident fund loans and portfolio loans is generally as follows: provident fund inquiry, housing appraisal, signing loan contracts, bank review and notarization of mortgage contracts, trading center accepting registered property rights, and sending other warrants to banks to apply for loans.

If the second-hand housing loan is to be mixed, it depends on whether it meets the conditions of mixed loans, especially the requirements of provident fund loans will be stricter and may not be successful.

: What is the loan process for buying a second-hand house?

1. Loan application

Property buyers need to apply for a loan to buy a second-hand house. 1. The applicant and * * * together with the applicant, go to the district management department (hereinafter referred to as the management department) where the housing provident fund is deposited with the loan requirements, and fill in the application form for provident fund loan in the window where personal loans are accepted.

2. Loan review

After the buyer applies for a loan, the accepting personnel will review the personal credit (including spouse) and materials according to the loan policy, and input the information into the form. After passing the review, the system will output the contract text, loan receipt and entrusted deduction agreement.

sign

The second-hand housing loan applicant and the applicant with the same name sign the above words after handling the bank repayment card (discount).

4. Handle the guarantee and mortgage.

Second-hand housing loan applicants and * * * applicants go to the guarantee company window to handle the guarantee and real estate mortgage registration.

make a touch

After going through the above procedures, buyers still need to wait for the guarantee and mortgage registration. After the management department reviews the loan materials, the entrusted bank will transfer the loan to the account of the fund company, and the borrower will receive the corresponding receipt from the entrusted bank with the original ID card.

Can I buy a second-hand house with a combination of provident fund and commercial loans? thank you

Loans to buy second-hand houses can be combined with provident fund and commercial loans.

Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.

To apply for a portfolio loan, the preliminary examination procedure is the same as that of a provident fund loan. After passing the preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank. After the two loans are approved, the bank will transfer them to the account of the selling unit at the same time.

In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented.

Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.

1, classification:

Personal housing portfolio loan refers to the borrower who meets the conditions of a bank's personal housing commercial loan and pays the housing provident fund at the same time. While handling commercial loans for individual housing, you can also apply to the bank for personal housing provident fund loans. That is, the borrower takes the purchased urban self-occupied housing in this city as collateral, and the bank issues personal housing loans to the same borrower at the same time to purchase the same set of self-occupied ordinary commodity housing, which is a general term for policy and commercial loan portfolios.

That is, provident fund loans and commercial loans are used at the same time, generally only when personal loans exceed the local maximum amount of provident fund loans.

Buying a high-end house requires a loan of 500,000 yuan, while the local provident fund management center stipulates that the maximum loan for the provident fund is 400,000 yuan. In this case, the remaining 654.38 million yuan is used for commercial loans, and the interest cannot enjoy the interest of provident fund loans.

Portfolio loan is a loan issued by the housing fund management department to the same borrower by using policy housing funds and commercial banks by using credit funds. It is the general name of policy loan and commercial loan portfolio. When individuals can't pay the purchase price through provident fund loans, they can apply for portfolio loans from the handling bank entrusted with provident fund loans.

2. Application method:

To apply for a portfolio loan, the preliminary examination procedure is the same as that of a provident fund loan. After passing the preliminary examination, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the application form for commercial loans and go through relevant procedures as required by the bank. After the two loans are approved, the bank will transfer them to the account of the selling unit at the same time. In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented.