The standard of interest rate is different.
The key is the number of years the customer has used the loan.
If the application is 15, the customer will repay the loan in three years, and apply for five years and four years. The loan interest of the former is less than that of the latter, because the bank calculates the loan interest on a monthly basis and collects it.
Second, do you need to get married for half a year to buy a house in Shanghai?
If not registered in Shanghai, you need to get married. Either spouse can pay taxes or social security for five years according to regulations. Being single is not qualified to buy a house. So, you need to get married, but there is no time limit. Shanghai hukou, the first suite does not have the conditions to get married for half a year. Generally speaking, it is difficult for non-Shanghai residents to buy a house in Shanghai, which is subject to many policy restrictions. Therefore, it is most appropriate to find a Shanghainese as a marriage partner. Do you think so?
III. Term of Shanghai Housing Loan
Some banks are 60 women and 65 men. Banks are different in age. If you buy the above questions, you can call me.
4. How to calculate the loan period of Shanghai provident fund?
Subjectivity of law: When it comes to buying a house with loans, provident fund loans have become the first choice for most people to buy a house with loans. After all, provident fund loans have many advantages. So recently, many people asked Bian Xiao, how long is the application period for provident fund loans? Bian Xiao will tell you the application period of provident fund loan. At present, the loan period of housing provident fund in China is 1-30 years. Theoretically, the loan period cannot be longer than the time when the lender reaches the statutory retirement age, but some local policies can extend it to five years after the statutory retirement age. The loan period of housing provident fund loans is also related to the use of primary and secondary houses. Require the housing provident fund to borrow money to buy a house by itself. The longest time to borrow a new house is not more than 30 years, and the longest time to borrow a second-hand house is not more than 15 years; Apply for personal housing provident fund loans for construction, renovation, overhaul, the longest is not more than fifteen years; To apply for provident fund loans for housing construction, renovation and overhaul, the loan term should be the same as that required for housing purchase. It should be noted that the above-mentioned fixed number of years shall not be greater than 5 years after the statutory retirement time of the borrower. City housing provident fund management center determines the final loan term according to the application period of the loan applicant and the above factors. Under the premise of ensuring the safety of funds, the city housing provident fund management center fully weighs the above factors and comprehensively determines the loan quota demand of each loan applicant. For example, Mr. Liu's family applied for a loan in April 2065438+2005. The basic information is as follows: Mr. Liu was born in June of 1968, and his spouse Ms. Wu was born in March of 1970. She bought a commercial house with a down payment of 790,000 yuan, and the base of Mr. Liu's provident fund deposit was 4,960 yuan, with an average monthly salary of nearly three months. Calculation of application period: Teacher Liu's calculation: 65-(2015-1968) ×12 = 216 months; According to the calculation of his wife, Ms. Wu: 60-(2015-1970) ×12-1=179 months. Then Mr. Liu's family can choose the loan application period within 24- 179 months. Calculation of application amount: suppose Mr. Liu decides to apply for 168 months according to the calculation. 1. Calculated by house price: 790,000× 80% = 632,000 yuan; 2. Calculated according to the deposit base of provident fund: (49,603,980 )× 40 %×168 = 600,000 yuan; 3. According to the repayment ability of the borrower: (61204120) × 40% ×168 = 688,000 yuan; 4. The current loan amount is 800,000 yuan; 5. Unpaid house payment: 790,000 yuan-200,000 yuan = 590,000 yuan. Then, the loan amount finally determined by Mr. Liu's family is 590,000 yuan, and the loan period is 168 months. After reading the above explanations and cases, we should have some understanding of the application period of provident fund loans and how many years we can borrow the house we bought.
Legal objectivity: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.