20 14 "after the central bank issued the policy of" repaying loans but not housing ",it mainly benefited citizens who used portfolio loans and repaid in advance. At present, citizens with provident fund portfolio loans can choose the repayment amount of commercial loans or provident fund loans independently, and they no longer need to repay in the same proportion.

Extended data:

Repayment method of portfolio loan:

1. Make full use of provident fund loans and extend the loan term as much as possible.

Compared with commercial mortgage loans, the loan interest rate of provident fund loans is relatively low, so it is welcomed by many borrowers. If we use the housing provident fund as much as possible and extend the loan period when applying for portfolio loans, it will be of great help to reduce the loan cost.

2. Shorten the term of commercial loans.

Since the interest rate of commercial loans is higher than the interest rate of provident fund loans, borrowers should shorten the term of commercial loans as much as possible and increase the monthly repayment amount of commercial loans as much as possible (within the family's economic tolerance).

3. Withdraw the provident fund to repay the loan

If your monthly repayment structure is in a state of "less provident fund loans and more commercial loans", then after the balance of the provident fund account offsets the monthly repayment of provident fund loans, the remaining balance can offset the commercial loans, which will save a lot of money.

4. Advance payment

If you want to get rid of the status of "house slave" as soon as possible, you can also choose to repay in advance, but in order to save loan interest, you should give priority to commercial loans. However, not everyone is suitable to repay the mortgage in advance, and everyone should choose according to their actual situation.

References:

The central bank issued a new policy of "only recognizing loans but not housing"