Housing provident fund loans are the choice of many buyers. Property buyers know that the loan down payment is 20%, so they should prepare the down payment, but you should also know how much the interest is. In addition to knowing the choice of repayment method, we should also know how much interest will be paid in the future, so as to save time when the funds are not prepared enough. Please look at the interest rate of second-hand housing provident fund loans within 30 years, and don't forget to save money secretly.

Housing provident fund loan interest rate table (30 years)

Repayment method of housing provident fund loan to buy a house

According to the loan contract signed by the loan bank and the borrower, the borrower should repay the loan on a monthly basis in the month after the loan is issued. There are two specific ways, which are chosen by the borrower:

1, 1-20 repay the loan principal and interest in cash to the loan bank every month;

2. Entrust the loan bank to withhold and remit. The borrower and the loan bank sign a withholding repayment agreement and apply for a personal repayment savings card. The borrower can pre-deposit the repayment amount for several months at one time, or deposit all the repayment amount in the nearest bank savings office before the 20th of each month, and the bank will directly deduct the loan principal and interest from the borrower's savings account.

The borrower can repay all the loan principal and interest in advance, or repay part of the loan principal in advance.

1. Repay all the loan principal and interest in advance, and the lending bank will re-approve the remaining loan principal and interest of the borrower according to the actual days of loan occupation.

2. Repay part of the loan principal and interest in advance, and the loan bank recalculates the borrower's monthly repayment amount or loan term according to the remaining loan principal.

Repayment skills of provident fund loans

Free repayment of provident fund means that when applying for housing provident fund loan to buy a house, the housing provident fund management center gives the minimum repayment amount according to the loan amount and term, and the monthly repayment amount will not be the same in the future, but it can freely arrange the monthly repayment amount according to its own income on the premise that the repayment amount is not lower than the minimum repayment amount.

It is worth noting that the free repayment of provident fund not only gives borrowers the greatest autonomy, but also puts forward higher requirements for borrowers in terms of technical means, risk prevention and income realization. The monthly payment is basically decided by the borrower himself, which means that the overall interest payment is also decided by the borrower himself. Generally speaking, when the provident fund loan is repaid, the less prepayment, the more interest is paid; The more you prepay, the less interest you pay.

1. Free repayment means "daily repayment", that is, the loan date is a certain day of the month and the repayment date is a certain day of the month. If there is no corresponding repayment date in the current month, the repayment will be made on the last day of the current month. For example: 65438+1October 3 1 loan, with repayment on February 28th.

2. If the borrower accidentally loses the bank card or passbook used for repayment, then the borrower must bring the bank card or passbook of the same bank to the management department applying for the loan in time to handle the change procedures.

3. After the borrower pays off all the loans, he should go to the loan management department to get the proof of paying off all the loans.

Repayment principle

Find the lowest loan cost by looking for floating interest rate

Due to the different pricing strategies of financial products, the interest rates of the same loan product in different banks are also different. For example, two car loans, some banks implement the benchmark interest rate, and some banks float 10%-20%, or even higher.

The difference between different repayment methods can reach 10,000 yuan.

Banks have stipulated various flexible repayment methods, and there are two commonly used methods-"equal monthly repayment" and "equal monthly repayment of principal".

"Large repayment" reduces the total loan and saves interest.

Make full use of the subtle provisions related to loans to further reduce the cost of loans.

(The above answers were posted on 2015-11-28. Please refer to the actual purchase policy. )

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