1. average capital repayment method: divide the loan amount into n installments according to the number of repayment periods, and multiply the unpaid principal amount of each installment by the loan interest rate until the current interest is paid off;
Two. Matching principal and interest repayment method: the principal and interest are annualized during the loan period, and the sum of principal and interest in each period is equal. The calculation of interest is complicated, and the interest of each period is not equal, but the sum of principal and interest of each period is equal. The first interest is the principal amount occupied multiplied by the loan interest rate, and the principal repaid in the first period is the equivalent annuity repaid in each period minus the first interest; The calculation of the second period interest is to subtract the principal repaid in the first period from the total loan principal to get the second period principal, and then multiply it by the loan interest rate to get the second period interest payable, and so on.
First, Xiapu can use Zhangzhou Provident Fund to apply for a loan when buying a house, but it must comply with the policy of Zhangzhou Provident Fund Management Center's provident fund loan in different places. The situation of provident fund loans in different cities is different. At present, it has not been uniformly implemented nationwide.
Two. Handling process of off-site provident fund loans:
(a) the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs the materials needed for loan review at one time.
(II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.
(3) After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
(four) during the loan repayment period, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly notify the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
(5) In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and deduct the balance of the loan employee provident fund account to repay the loan according to the loan contract.
3. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund. The new policy mainly includes employees who have paid the housing provident fund in full for more than 6 months, and can apply for personal housing loans from the housing provident fund. The loan targets are employees who have purchased the first set of self-occupied housing or the second set of improved ordinary self-occupied housing.