Loan contract and loan contract are generally in quadruplicate.

1. How many copies of the housing loan contract?

1. If you have obtained the real estate license, then four copies are enough, one for yourself, two for the bank and one for the Housing Authority (Housing Registration Center); You can get a loan when you are finished.

2. If the house is an auction house, in addition to the above four copies, the real estate developer also needs one. Housing mortgage loan, also known as mortgage loan, means that the bank provides the lender with most of the purchase price, and the buyers pay the principal and interest to the bank in installments with stable income, but before paying off the principal and interest, they mortgage the bank with their own purchase contract as collateral. If the buyer fails to pay the principal and interest on time, the bank can sell the house to offset the arrears.

Second, how much is the interest on the house loan?

1, and the benchmark interest rate for commercial loans with a current loan term of five years or more is 4.90%. Due to the influence of the purchase restriction policy, local banks have adjusted the interest rate of the first home loan to varying degrees. The latest data is 360. The national average interest rate of the first suite is 5.38%, and the interest rate generally rises by 5%-20%.

2. The interest rate of the second home loan generally rises 10%-30%. During the same period, the benchmark interest rate of provident fund loans was 3.25%, and the interest rate of second-home loans generally rose 10%.

3. The second suite defines the number of mortgage loans for the borrower's family (including the borrower, spouse and minor children). If a family uses provident fund loans or commercial loans to buy a house, the mortgage application is regarded as a second suite.

3. What are the repayment methods of housing loans?

1. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method.

2. Matching principal and interest repayment method is to repay the same amount of loans (including principal and interest) every month during the repayment period, so that because the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.

3. The repayment method of equal principal is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, due to the large initial principal and the large initial repayment amount, the subsequent time is decreasing every month. The advantage of this method is that the interest expense is reduced due to the large repayment amount at the beginning, which is more suitable for families with strong repayment ability.

4. Equal principal and interest repayment method is also called monthly repayment method. The repayment speed of the principal is slow, and the repayment pressure is light, at the cost of overpaying the total interest. Compared with the repayment method in average capital, the total interest difference is not obvious in the short and medium term (1-5 years), but only different in the long term (20-30 years). Whether equal principal repayment is equal principal repayment or not, the calculation method of interest in each period is the same, which is equal to the remaining principal multiplied by the monthly interest rate.

How many power of attorney do I need to apply for provident fund loans?

Provident fund loans generally require four to six contracts. Four provident fund loan contracts are held by buyers, developers, real estate bureaus and banks, and six provident fund loan contracts are held by buyers, developers, real estate bureaus, banks, provident fund management centers and notary offices.

2. Legal basis:

Article 5 of the Regulations on the Management of Housing Provident Fund stipulates that housing provident fund should be used for employees to purchase, build, renovate and overhaul their own houses, and no unit or individual may use it for other purposes.

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

How many contracts are printed by pure provident fund loan customers?

Six copies, one for the customer, the bank, the provident fund center, the housing developer, the notary office and the housing authority. Both the customer and the bank are parties to the contract, because all provident fund centers must have one. When customers buy new houses, developers generally have to bear the guarantee responsibility, so developers also have it. Loans to buy a house generally require notarization procedures, so the notary office also has them. Because the house is bought by loan, the Housing Authority must mortgage the customer's house to the bank, so the Housing Authority also has it.

These are several provident fund loan contracts and a housing provident fund loan contract issued at the end of the year. I wonder if you have found the information you need?