Housing loan: property purchase tax must be paid and property insurance tax must be paid when applying for a loan. I am a penniless miser, just like my car needs insurance. After the house is insured, if something happens to the house (such as earthquake collapse) and the lender refuses to repay the loan because of these things, then the bank can make claims according to the insurance and recover its own money.
Housing provident fund loans should be handled according to the following procedures:
(a) the borrower to apply for housing provident fund loans to the city housing provident fund management center to submit a written application, fill in the housing provident fund loan application form and truthfully provide relevant information.
(II) The municipal housing provident fund management center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount, loan term and contract completion, and the borrower signs relevant contracts or agreements with the center, and handles insurance according to the provisions of the People's Bank of China.
(three) after the completion of the loan procedures, the city housing provident fund management center issued a loan approval notice to the bank, and the bank went through the loan issuance procedures after receiving the loan notice.
Special reminder: when buying a house, the borrower can go to the bank to calculate the loan amount and monthly repayment amount according to his own provident fund payment. According to the relevant provisions of provident fund management, it is withdrawn once a year. Suppose the customer withdraws the provident fund once a year 15000 yuan, the monthly repayment amount of provident fund loans is 1500 yuan, and the repayment amount of commercial loans is 1000 yuan. In terms of repayment method, you can choose the "balance loan cancellation method", that is, the extracted provident fund will first return the housing provident fund loan and the principal and interest of the current month's commercial loan (* * * is 2500 yuan). The balance 12500 yuan can be used to repay the principal of the housing commercial loan in one lump sum. After paying off the housing commercial loan principal, use the remaining balance to repay the provident fund loan principal, because the commercial loan interest rate is higher than the provident fund loan interest rate. After "repaying the loan", the borrower can choose to shorten the original repayment period, or keep the repayment period unchanged and reduce the monthly repayment amount. However, at present, commercial banks have certain restrictions on the number of prepayments for customers. If the customer chooses the repayment method of "matching principal and interest" and the monthly repayment amount remains unchanged at 2,500 yuan, the withdrawn provident fund15,000 yuan will be deducted continuously at 2,500 yuan per month according to the original deduction method. When the balance is insufficient, the borrower shall timely inject the full amount into the bank card for repayment. Customers can choose the above two repayment methods according to their actual situation.