Hello, in which city are you going to apply for our loan? Do I need to apply for a primary property loan or a secondary property loan?
Different cities have different regulations. You can contact the nearest outlet for details. You can click on map.cmbchina.com to check the latest distribution of outlets around the bank, and you can also locate your business outlets, iphone and android mobile banking anytime and anywhere through the query function of financial assistant outlets in China Mobile ().
Second, how to calculate the proportion of portfolio loans?
The proportion of portfolio loans is calculated as follows: the down payment ratio of loans is related to the number of houses, and the down payment ratio for purchasing the first suite is 30% of the total value of houses; The down payment ratio for purchasing the second suite is 60% of the total value of the house. In addition, the interest of portfolio loans is calculated according to their respective loan interest rates. The repayment dates of commercial loans and provident fund loans are the same.
3. I am a railway employee of Shanghai Railway Bureau (Hangzhou), and I would like to ask if I want to use provident fund loans. ...
According to the spirit of the second meeting of the second session of the Hangzhou Housing Provident Fund Management Committee and the Notice on Launching 20 1 (Hangzhou Provident Fund [2011] No.33), the relevant matters concerning the adjustment of the loanable amount and monthly payment standard of the two-room housing provident fund are hereby notified as follows:
1. Employees who deposit 1 311every month from 10/day can apply for withdrawal of housing provident fund according to regulations.
Two. The specific loanable amount is comprehensively determined according to the employee's monthly deposit, house price, down payment ratio, personal credit status and other factors. According to the 20 10 Hangzhou urban bill published by Hangzhou Municipal Bureau of Statistics, the monthly deposit standard corresponding to the loanable amount is:
1. If the employee's monthly deposit is less than 406 yuan (48,772 yuan), the maximum loanable amount is
2. If the employee's monthly deposit is more than 406 yuan (inclusive) and less than 975 yuan (48,772 yuan/12× 12 %× 2), the maximum loanable amount is 300,000 yuan;
3. If the employee's monthly deposit amount is higher than 975 yuan (inclusive), 0,000 yuan;
4. Employees and their spouses shall not exceed 800,000 yuan.
Three. The above-mentioned loan amount and monthly deposit amount standards shall be implemented from 20 1 1 year 10/month to September 30, 20 1 2.
I hereby inform you.
20 1 1 August 3, 20081day
4. How is the Shenzhen portfolio loan calculated?
Hello, the portfolio loan first depends on the evaluation price of your house by the provident fund center and the maximum amount of your own provident fund loan.
Provident fund loan amount:
The maximum personal amount is 500,000 (no more than 14 times of my balance and the monthly payment is less than or equal to 50% of the deposit base); The maximum family loan is 900,000 yuan (no more than 14 times of the sum of the balance of husband and wife, and the monthly payment is less than or equal to 50% of the deposit base of husband and wife. Only one of the husband and wife has a provident fund, and the maximum loan is 500,000).
Calculation method of portfolio loan:
Commercial loan portion = (whichever is lower) loanable amount-provident fund loan portion.
As you said, if the appraisal price can reach 2 million, your personal provident fund can borrow 500,000 yuan, and the commercial loan part = 20050%-50%, you can borrow 500,000 yuan, and your down payment needs 654.38+00,000 yuan.