The loan contract number usually consists of letters and numbers. It is usually sorted according to time, and then filled in accordingly according to different banks. Under normal circumstances, if we don't know how to fill it out, we can call the bank to process it.

1. How many copies of the housing loan contract?

1. If you have obtained the real estate certificate, four copies are enough. Keep one copy for yourself. The bank will handle it as soon as possible. You need two copies to keep the deposit, and one from the Housing Authority (housing registration center); you can get the loan after completing the application.

2. If the house is off-plan, in addition to the above four copies, the real estate developer also needs one copy. Housing mortgage loans, also known as mortgages, refer to banks providing most of the home purchase funds to borrowers. The home buyers repay the principal and interest to the bank in installments with a stable income, and before repaying the principal and interest, they use their home purchase contract as a mortgage to the bank. , if the home buyer cannot repay the principal and interest within the time limit, the bank can sell the house to offset the debt.

2. How much is the interest rate on home purchase loans?

1. The base interest rate for commercial loans with a current loan term of 5 years or more is 4.90, subject to the impact of purchase restriction policies, local banks have There are different adjustments to the first home loan interest rate. The latest data is 360. The national average interest rate for the first home is 5.38, and interest rates have generally increased by 5-20.

2. Second home loan interest rates generally rise by 10-30%. The benchmark interest rate for provident fund loans during the same period was 3.25, and the interest rate for second home loans generally increased by 10.

3. Suite 2 defines the mortgage loan amount for the borrower’s family (including the borrower, spouse and minor children). If a family uses a provident fund loan or a commercial loan to purchase a house, the mortgage loan application will be considered a second home.

3. What are the repayment methods of housing loans?

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

1. The equal principal and interest repayment method is to repay the same amount of the loan (including principal and interest) every month during the repayment period. In this way, since the monthly repayment amount is fixed, it can be planned Controlling household income expenditures also makes it easier for each family to determine their loan repayment ability based on their own income.

2. The equal-amount principal repayment method is to repay the principal in equal installments every month, and then calculate the interest based on the remaining principal. Therefore, due to the larger principal in the early stage, the repayment amount will be larger in the early stage. The benefit of this method is that it reduces interest expenses due to the larger repayment in the early stage, which is more suitable for families with strong repayment ability.