Can I combine loans?
Buying a house can be combined with loans. The housing portfolio loan is jointly managed by the housing provident fund management center and the entrusted bank. Both parties bear risks and enjoy rights and interests according to the proportion of portfolio loans. If the borrower fails to fulfill the repayment obligation, the bank will dispose of the collateral according to law, and both parties will receive compensation according to the loan proportion and bear the expenses. The higher the default dependence, the greater the potential risk loss of the loan portfolio.
How to repay after portfolio loan?
Portfolio loans cannot be repaid together, because the repayment methods adopted by these two loan methods are also different, so it is necessary to set up two independent accounts and make separate loans for the two parts. Provident fund loans take the form of free repayment, and commercial loans take the form of repayment recognized by commercial banks.
1, the provident fund can be repaid freely, that is, we can set a lower repayment amount every month, but the monthly repayment amount must be greater than this amount.
2. If you have a large amount of funds in your provident fund account, you can sign the monthly transfer repayment withholding business. When you pay back every month, you will first transfer the money through the provident fund account and deduct it from your bank repayment passbook when the account amount is insufficient.
3. Commercial loans include two repayment methods: average capital and equal principal and interest. Commercial loans can automatically deduct the money in the bound repayment account every month, so it is safe to deposit enough money in your repayment account in advance every month. At the same time, in portfolio loans, the loan terms of provident fund loans and commercial loans must be consistent.
If you want to apply for a portfolio loan, you must pay attention to the specific handling methods. After all, the real estate industry is developing rapidly, and there are many ways to enter the industry for loans. The above is an introduction about how to combine loans and how to repay after combining loans. When you apply for a loan, you should pay attention to choosing a more suitable repayment method.