1. What is a housing savings loan?
Housing savings loan is a kind of bank loan, and it is a loan mode that buyers need to deposit in advance with the bank in order to obtain bank loans. It can solve the purchase problem of prospective buyers who have not participated in the provident fund or the balance of the provident fund is small, the amount of commercial loans is insufficient, but there are also a small amount of surplus funds.
Give an example to explain "what is a housing savings loan"
Xiaoming plans to buy a 2 million house within two years, and needs to sign a contract savings plan with the bank in advance.
The first one: he can deposit 6.5438+0 million yuan in the bank at one time;
Secondly, Xiao will regularly deposit a certain amount every month. When the deposit reaches 6,543,800 yuan, that is, 50% of the contract amount, and the relevant evaluation conditions are met, he can apply to the bank for a housing loan of 6,543,800 yuan, and at the same time, he can take out the stored 6,543,800 yuan for his own use. Its loan interest rate is a fixed interest rate of 3.3%.
2. What is the interest rate of the housing savings loan?
1, housing savings loan interest rate: 3.3%. The interest rate remains unchanged!
2. Commercial housing loan interest rate: 5. 15%. Floating exchange rate!
3. Interest rate of provident fund loan: 3.25%. Floating exchange rate!
Three, the characteristics of housing savings loans:
1. Compared with commercial housing loans and provident fund loans, housing savings loans are more public welfare.
2. Housing savings loans are mainly for people that the government needs to protect, low-and middle-income people and social sandwich layers, focusing on meeting residents' medium and long-term housing financial needs.
3. The term of housing savings loan is short. The longest loan period of housing savings loan is 16 years, which is the shortest compared with commercial housing loan (the longest loan period is 30 years) and provident fund loan (the longest loan period is 30 years).
4. Housing savings loans can be combined with commercial mortgage loans or provident funds.
However, this loan method also has its own limitations. For example, in terms of term, unlike the longest term of 30 years for the other two types of loans, the shortest term of housing savings loans is 2 years and the longest term is 16 years. For another example, this loan method is to deposit before lending, and it is necessary to sign a contract in advance, deposit first and then apply for a loan. However, as a supplement to commercial mortgage and provident fund, housing savings can be combined with commercial mortgage or provident fund to make loans, which helps to avoid interest rate risks.
At present, housing savings loans have been piloted in Tianjin and Chongqing for many years, and Sino-German Housing Savings Bank is the only professional bank operating housing savings business in China.
In addition, housing savings loans are expected to be promoted nationwide this year.
(The above answers were published on 2015-12-18. Please refer to the actual situation for the current purchase policy. )
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