20 15 after several rounds of interest rate cuts, on 20 16, many house slaves felt that the mortgage pressure was greatly reduced. Many friends who choose "portfolio loan" found that the latest interest rate was not implemented until 2065438+February 2006. Compared with provident fund loans and commercial loans, the calculation method of combined loan repayment is relatively complicated. A netizen in Wuhan said that he planned to buy a house with a combined loan and didn't know how to pay it back. People in the industry also know that the following issues should be paid attention to in portfolio loan repayment:

1, how to operate the "portfolio loan" repayment?

Buyers who choose portfolio loans need to calculate the repayment separately, combined with the monthly supply of commercial loans and provident fund loans, which is the monthly supply of buyers.

2. Can provident fund and commercial loan be different banks in "portfolio loan"?

Yes, it must be the same bank. When buying a house, buyers need to mortgage the purchased property to the bank, because a house can only be mortgaged to one bank, so provident fund loans and commercial loans can only be handled in the same bank. But it is usually a cooperative bank designated by the provident fund management center.

3. How to calculate the interest of "portfolio loan"?

The interest rates of commercial loans and provident fund loans are quite different and should be calculated separately. According to the loan amount of buyers, for example, the interest rate of provident fund loans for five years and above is 3.25%, and the interest rate of commercial loans is 4.9%. Someone applied for a portfolio loan of 6,543,800 yuan (400,000 for provident fund loans and 600,000 for commercial loans) with a loan term of 30 years. Calculated by equal principal and interest, the monthly payment for provident fund loans is 654.38+0.740.83 yuan, and the monthly payment for commercial loans.

This is based on the benchmark interest rate. If it is the first suite, some banks can enjoy an interest rate of 15%, and the monthly payment can save more than 400 yuan. If you buy a house for the second time, the loan interest rate is generally 1. 1 times the benchmark interest rate.

4. Advance payment

Portfolio loans can also be repaid in advance. In order to save mortgage, many people will give priority to changing business loans in advance. But no matter which part of the buyer changes in advance, there is no limit. When some banks provide housing loans, there is a penalty limit for prepayment in the contract, so it is necessary to consider whether prepayment is cost-effective.

For more questions about portfolio loans, friends can pay attention to our official WeChat account "SouFun.com House Purchase Guide" and leave a message for quick answers.

(The above answers were published on 20 16-02-22. Please refer to the actual situation for the current purchase policy. )

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