Provident fund loans, commercial loans, portfolio loans big pk.

1, provident fund loan

Generally speaking, housing provident fund loans have great advantages: low down payment ratio and low interest rate, but the loan amount is limited, and the payment speed of house purchase is similar.

2. Commercial loans

Housing merchants are very popular with sellers because of their quick payment and simple procedures. It is worth mentioning that the down payment and interest rate of commercial mortgages of various banks have also increased to varying degrees due to the tight bank funds. Apply for commercial mortgage loan

3. Portfolio loan

Generally speaking, the commercial individual housing loans with the maximum amount of personal loans exceeding the local provident fund loans are implemented at the individual housing loan interest rate, and the provident fund loans are implemented at the individual housing provident fund loan interest rate.

For example, how can I get a loan for 25 years after evaluating a second-hand house worth 3 million yuan and paying the Chengdu Provident Fund and the first suite?

The down payment should be divided into three situations.

1. provident fund loan: the down payment is 30% of the appraised value of the house price, and 3 million (ten thousand yuan) ×30%=90 (the benchmark interest rate of the provident fund is 3.25%, but single employees can only borrow up to 400,000 yuan).

2. For business, 3 million (ten thousand yuan) ×30%=90 (ten thousand yuan) (the loan amount is met when the house payment is obtained, but the interest rate is relatively high, and the benchmark interest rate for more than five years is 4.9%).

3. Portfolio loan: the down payment is 3× 30% of the appraised house price = 90 (ten thousand yuan) (it can meet the loan amount, but

Second, how much can the provident fund and commercial loan portfolio loans generally lend?

In portfolio loans, the amount of provident fund loans and commercial loans are calculated separately. The maximum loan amount calculated by the provident fund loan policy and the maximum loan amount calculated by the bank's commercial loan policy are the maximum loan amount of the portfolio loan.

1, provident fund loan

If the borrower and spouse have paid the housing provident fund in full and normally for more than 6 months, the maximum loan amount is 550,000;

If the borrower unilaterally pays the housing provident fund, the maximum loan amount is 450,000;

Loan amount of provident fund = deposit base 0.5 12 loan period;

The minimum loan amount is the final loan amount.

2. Commercial loans

Calculation of the maximum loan amount: n (the evaluation value or online signing price is lower) loan ratio-provident fund loan part.

3. Can ordinary provident fund loans be used for loans?

The loanable amount of provident fund loans varies greatly from place to place, but it mainly depends on the balance of provident fund account, the deposit period, the monthly deposit amount of provident fund and the age of the lender. Generally, the maximum loan for a single person is about 500,000 yuan, and the maximum loan for a couple is about 6.5438+0 million yuan.

4. How much can I get for the purchase of provident fund and commercial loan portfolio?

There is no specific time, and the lending speed of each bank is different. Portfolio loans are more troublesome.