The differences between commercial loans and provident fund loans are as follows:
1, loan conditions: the commercial loan object is qualified through credit investigation; Provident fund loans must be paid by on-the-job employees and paid in full within a certain period of time.
2. Type of house: you can use provident fund loans to buy ordinary houses, but you can't use provident fund loans to buy commercial houses and villas; Commercial loans are not limited by the type of house.
3. The loan process is different from the examination and approval institution.
4. Different loan interest rates: the loan interest rate of provident fund is low, and the interest is low; The interest on commercial loans will be higher.
5. Different sources of funds.
What is the difference between housing provident fund loans and commercial loans?
According to China's relevant policies and regulations, the difference between housing provident fund loans and commercial loans is as follows: 1, and the interest rate is different: commercial loans are higher (10 year, 202 1 year) 6.55%. Provident fund 4.5%. 2. The lending time is different: commercial loans are fast and provident fund is slow. 3, the maximum amount is different: commercial loans are generally not limited, provident fund is limited, local regulations are different, the maximum amount is generally ranging from 400,000 to 800,000. 4. Different loan objects: commercial loans are not limited, and the provident fund can only be handled for the deposit object. 5. Different loan authority: commercial loans are not limited, and provident fund loans are limited to deposits or loans from different places allowed by policies.
What's the difference between provident fund loans and commercial loans?
The main differences between commercial loans and provident fund loans are as follows:
1, the interest rates of commercial loans and provident fund loans are different, usually
In this case, the commercial loan interest rate should be the Gao Qian provident fund loan interest rate.
Rate;
2. The procedures for commercial loans and provident fund loans are different.
Property buyers need to transfer their houses when applying for commercial loans.
Before reviewing commercial loans, provident fund loans can be made at
Review the transferred loan;
3, commercial loans and provident fund loans for different purposes, commercial
Industrial loans can be used to buy self-occupied housing or for business; but
Provident fund loans can not be used to buy commercial and residential buildings, but can only be used to buy a house.
And renovation projects.
4. Commercial loans and provident fund loans are aimed at different objects and businesses.
Industrial loans are mainly for all eligible social masses.
Provident fund loans are for employees who only pay provident fund.
Use.
What's the difference between provident fund loans and commercial loans?
The differences between commercial loans and provident fund loans are as follows:
1, loan conditions: the commercial loan object is qualified through credit investigation; Provident fund loans must be paid by on-the-job employees and paid in full within a certain period of time.
2. Type of house: you can use provident fund loans to buy ordinary houses, but you can't use provident fund loans to buy commercial houses and villas; Commercial loans are not limited by the type of house.
3. The loan process is different from the examination and approval institution.
4. Different loan interest rates: the loan interest rate of provident fund is low, and the interest is low; The interest on commercial loans will be higher.
5. Different sources of funds.
Let's talk about the difference between provident fund and commercial loans.