In view of the misunderstanding of many property buyers in the use of provident fund loans, financial experts pointed out that provident fund loans will not set a fixed repayment amount like commercial loans, but will only require lenders not to be lower than a certain "minimum repayment amount" when repaying. Take 15 as an example. Provident fund loans will only require lenders to pay no less than 1.344 yuan per month, and many lenders often only pay 1.344 yuan per month for repayment. But in this way, when the lender repays the last month's loan, he will find that there are still more than 47,000 yuan of loan principal outstanding, which eventually leads to great pressure on the final repayment.

Some developers refuse housing provident fund loans or have some discriminatory policies for the following reasons:

A, the impact of malicious competition and profit-driven of commercial banks on developers. There is vicious competition among banks for personal housing loans, such as lowering the loan review standard, seizing personal loans through development loans, the relationship between expenses and interests, and the balance of policy making, such as liquidated damages for early repayment. Banks have the means and conditions to influence developers. (development loans, flexible fees, bank-enterprise relations such as deposit accounts, etc. Existence on site). Misleading influence even requires developers to limit housing provident fund loans. (In most cases, when checking developers)

B, developers do not understand and misunderstand housing provident fund loans, especially the current situation, there are some false public opinions in the society. (Before 2003, the loan speed of housing provident fund was restricted by banks. After 2003, the center adjusted the loan process, and the speed and efficiency can meet the needs, but there are still legacy effects that lead to misunderstanding of housing provident fund loans. )

C, seller's market, strong developers. Housing provident fund loans are mainly beneficial to individuals.

D, that is, the procedures for provident fund loans are cumbersome. General sellers like to pay the house price in one lump sum, and the procedure is simple. However, if it is a provident fund loan, it is necessary to assist the buyers to go through the relevant procedures, which will increase the workload accordingly.

E, that is, provident fund loans are slow. Generally, it takes ten days and a half months, and more than one month, which will correspondingly extend the purchase cycle.

Objective situation and viewpoint

A, speed and efficiency, personal convenience is not worse than bank commercial loans. People who say that housing provident fund loans are complicated and slow have basically never done housing provident fund loans.

B, from the above benefits, we can know that there are practical benefits for individuals, especially in terms of interest expenses.

C. If there is a housing provident fund that meets the housing provident fund loan conditions, it is best to choose a housing provident fund loan.