Question 1: What is bank loan offset? It means that banks suddenly issue loans at the end of the month, quarter, and year to impact the loan plan target.

Question 2: What exactly is provident fund offset loan? Is it better to repay the loan monthly using provident fund, or to repay the loan in one lump sum at a fixed time every year?

What is the difference between the two?

You can put your own funds into use. With monthly repayments, your salary can be used for purposes other than repaying the loan.

No matter which method you use to repay the loan interest, once the loan contract is signed, it is basically fixed.

Unless the state adjusts the provident fund loan interest rate, some changes will occur.

The annual deposit can withdraw all the 70,000 in the current provident fund account, but the monthly deposit cannot be withdrawn, and 6 months of loan repayment money must be left in it, is that true? This statement is not accurate. You must leave some money in the account or 70,000 yuan to pay the house payment in one go. The increased provident fund in the future will be used to repay the loan.

Currently all banks provide monthly repayment services. Good for you.

Question 3: What does "loans offset loans" in the sentence "convert loans to offset loans" mean when a business turns to a public company? Converting a commercial loan to a provident fund loan is generally not accepted.

If you have the ability to handle it, the rule is that you need to raise money or find an advance company to pay off the business loan for you. Then apply for a provident fund loan. Get the provident fund to repay the funds you raised before, or repay the advance capital contribution of the company, and then you repay the provident fund loan every month.

That "loan to offset loan" means that you apply for a provident fund loan and use the provident fund loan to offset your commercial loan. After settling the commercial loan, you repay the provident fund loan every month!

The specific monthly loan repayment depends on the provident fund loan amount you apply for and the interest calculated for you. It has nothing to do with your previous commercial loan repayment of 2200.

Question 4. : What does provident fund loan offset loan mean? The procedures for provident fund monthly offset loan:

When applying for "offset loan", the following conditions should be met: 1. The borrower or the spouse's unit has made normal and full deposits Housing provident fund; 2. The applicant has good credit and the borrower is in normal repayment status when applying for monthly offset loan principal and interest. 3. If applying for monthly offset loan principal and interest, the balance of the housing provident fund account shall not be less than the monthly repayment of the housing provident fund loan. 12 times the amount. The deduction method for "offset loan" is selected by the borrower. For "offset loan" approved by the center, the system automatically deducts the deduction directly from the housing provident fund account of the borrower or spouse. The funds are used to repay the principal and interest of the loan. When the balance of the housing provident fund account of the borrower or the spouse reaches the deduction limit, the system will automatically deduct the funds from the housing provident fund account of the borrower and the spouse before applying. After handling the "loan offset" business, the deduction will be made according to the normal repayment date (postponed in case of holidays)

Question 5: What is the provident fund offset loan? Take Shanghai's policy as an example:

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Housing provident fund offset loan means entrusting the bank to withdraw the money from the personal provident fund account balance to repay the monthly loan payment or repay the loan in advance. There are two ways to offset the loan: "annual offset" and "monthly offset"

The annual offset method is equivalent to partial early repayment once a year, but this method gives priority to repaying the principal of the provident fund loan. When the provident fund loan is settled, the principal of the commercial loan can be offset. In addition, every month The monthly repayment amount must be repaid in cash by yourself (monthly payment must be deposited into the savings card every month).

Use the monthly offset method to offset the "monthly repayment due" of the provident fund loan every month. In addition to the "principal and interest amount", it can also be offset against the "monthly principal and interest amount payable" of the commercial loan. When the balance of the housing provident fund account is insufficient, the payment will be deducted from the borrower's designated repayment account.

Question 6: What is a short-term loan? This type of short-term loan generally has a higher interest rate.

Question 7: What does mortgage supplementary loan mean? That is, commercial banks need to mortgage assets to obtain loans with a certain interest rate from the central bank.

Question 8: What does short-term loan mean? Is it just loan sharking? What does offset loan mean? Bonus points for a good explanation~~ 10 points Because general loans require a process that takes a relatively long time, which is very troublesome for people who are in urgent need of money, so generally guarantee companies have short-term loan business. Generally speaking, the characteristics of short-term loans are that they can borrow money quickly and the amount is small.

Total the principal and interest, then spread it evenly into each installment, and then use wages or provident funds to offset the loan in installments. This is a chargeback loan.

Question 9: For pure provident fund loans, what is the difference between monthly and annual deposits? Which one is more cost-effective? It can only be changed once a year. Annual replenishment means that the account balance is charged to the principal at once. If you have a provident fund loan, you can recharge the provident fund first. The advantage is that the interest will definitely be less, but the disadvantage is that you have to pay out cash yourself in the next year. Monthly deposit means it will be deducted from your account every month. If the balance is enough, you don’t have to pay it back in cash. The money will be deducted from your bank account until the balance is insufficient. Each has its pros and cons, weigh it yourself.

Question 10: What does it mean to charge RMB through online loans? I have never heard of the website you mentioned.

If you want to invest in online loans, it is recommended to choose well-known platforms such as Lufax, Duanrong.com, and Renrendai.