Is the commercial loan accumulation fund ok?
Commercial loan is a way for banks to pay the house price to developers. The threshold is low but the interest rate is relatively high. Provident fund loan is a way for the provident fund processing center to pay the house payment for the borrower to the developer. The interest rate is low, but the support for real estate is limited. Portfolio loan is the product of the first two, and the part where the purchase price exceeds the limit of provident fund loan is supplemented by commercial loan. During this period, most property buyers are eager for provident fund loans because the conditions are the most favorable. However, can everyone really use the provident fund?
First of all, there are requirements for provident fund loans or portfolio loans: the real estate provident fund has been paid in full and on time more than 6 months (inclusive) before the request date, and the account is still in a normal payment state; The loan balance without provident fund needs to be repaid continuously; You only need to buy self-occupied real estate within the city scale, including ordinary real estate _ townhouse (house) _ serviced apartment (70-year property right) to use the provident fund. Together, the maximum age for men to borrow provident fund is 65, and the maximum age for women to borrow provident fund is 60.
In addition, it is worth noting that a lot of information on the internet says that the provident fund does not issue loans, but can only be used to amortize commercial loans, which is wrong. As long as the conditions are met, the provident fund will also issue loans, and the loan interest rate is1-3% for five years (inclusive) and 3.5% for more than five years.
How to deal with the provident fund?
The loan amount of provident fund is limited: (1) the loanable amount is 10 times of the sum of the borrower's and the borrower's personal account balances involved in the calculation of loanable amount; If the sum of individual account balances is less than 6,543,800 yuan, it shall be recorded as 6,543,800 yuan; Low-income families with real estate difficulties can buy secured real estate, and the maximum amount of loans can be increased by no more than 30,000 yuan.
(2) Or the loan amount can be calculated according to the repayment situation of employees, and employees can choose independently. The formula for calculating the loan amount according to the repayment of employees is: the sum of the monthly salary bases paid by the loan applicants (including those who meet the requirements for calculating the loan amount) into the real estate accumulation fund multiplied by 35%, multiplied by 12 (month) and multiplied by the loan period.
(3) The maximum amount of family loans is 700,000 yuan, and the maximum amount of personal loans is 450,000 yuan.
What should I pay attention to when handling provident fund?
Everyone's provident fund lending method can also have different choices: if the deposit base is not high but the personal account balance is large, it is best to choose the personal account balance multiple method; Buyers with small personal account balance but high deposit base, especially those who just need to do their homework, can choose repayment formula. The sum of the monthly salary base paid by the loan applicants (including those who meet the loan amount accounting conditions) is multiplied by 35% times 12 (month) times the loan term.
In addition, when choosing a commercial loan, you can choose to repay the commercial loan by installments with the provident fund. The purchaser can bring all the information and provident fund card to the provident fund management center to fill in the application and amortize according to the details. If a portfolio loan is selected, the buyer should consult whether the property supports and meets the conditions of provident fund loans before buying a house, and then choose the appropriate loan formula according to the situation, and make maximum use of provident fund loans. Commercial loans can be allocated for the purchase price exceeding the amount of provident fund loans.
Bian Xiao in the above article tells you the relevant knowledge about whether the commercial loan provident fund booth is available. You can handle it according to the above method.