1, commercial loan of 200,000 yuan, repayment started on June 20 10, with equal principal and interest method. At that time, the benchmark annual interest rate was 5.94%, and it was 4. 158% after 30% discount. This discount is valid throughout the loan repayment period. No matter how the central bank adjusts the loan interest rate, your interest rate (annual 1 month, if the central bank does not adjust the loan interest rate this year, the interest rate you adjusted in June next year is 7.05%*70%=4.935%.

2. You have paid back 2 1 month normally. I want to know how long your loan term is. By calculation, by the end of September:

If the service life is 10 year, your current monthly payment is 2096.04 yuan, and the loan principal balance is 17 1069.46 yuan;

If the service life is 15, your current monthly payment is 1556.9438+0 yuan, and the loan principal balance is 1906.438+03 yuan;

If the service life is 20 years, your current monthly payment is 1294.94 yuan, and the loan principal balance is 18868 1.84 yuan;

If the service life is 25 years, your current monthly payment is 1 143.62 yuan, and the loan principal balance is 192037.02 yuan;

If the fixed number of years is 30 years, your current monthly payment is 1047.37 yuan, and the loan principal balance is 194 185.89 yuan;

3,20 1 2,1,the interest rate of commercial loans rose by 30% on the basis of the last interest rate adjustment by the central bank this year (as mentioned above, if the interest rate of the central bank is not adjusted this year, it will be 7.05%*70%=4.935%. Compared with provident fund loans, the business is about 30% higher than the provident fund.

4. If you pay off all the commercial loans and then apply for provident fund loans, the provident fund is not discounted. The discount of loan interest rate is phased. At present, commercial loans (including provident fund loans) cancel interest rate concessions because the funds available for lending by banks and provident fund management centers are quite tight, which is a "seller's market".

5. If you pay off the commercial loan and then apply for a housing provident fund loan, it belongs to the second suite. There is no need to raise the down payment and interest rate. Your current interest rate is 30%, which is basically the same as the interest rate of provident fund loans. As for how much you can borrow from your monthly provident fund deposit in 400 yuan, there are different regulations in various provident fund management centers. Generally speaking, the maximum loan amount is 800,000 yuan (Shanghai) and the minimum loan amount is 200,000 yuan (remote cities).

Friendly reminder:

You can withdraw the provident fund to repay the principal and interest of commercial loans.

First, there are usually two extraction methods:

1. Withdraw all the balance in the provident fund account to repay the loan principal (once a year, a certain balance needs to be kept in the account, which varies from place to place). After the principal is repaid, the total amount of loan principal and interest decreases. Monthly payment or fixed number of years will be recalculated: if fixed number of years is selected, monthly payment will be reduced after recalculation; If the monthly payment remains unchanged, the repayment period will be reduced. Then you can choose.

2. After withdrawing the provident fund, it will be "associated" with your repayment card. For example, your monthly payment is 1500 yuan. After cash withdrawal,10.5 million, the repayment card will be associated. After 10 months, there is no need to deposit money in the card, and the loan will be repaid by the provident fund.

2. Withdrawal procedures: Bring the loan contract, repayment card (or provident fund card), my ID card and the Certificate of Withdrawal of Provident Fund issued by the company. If you want to withdraw your spouse's provident fund, you should go through the formalities at the loan bank or the local provident fund management center with your marriage certificate, ID card and the Certificate of Provident Fund Withdrawal issued by your spouse's company.

The above answers are for your reference only, and I hope they will help you.