The interest rate difference between commercial loans and provident fund loans is about 2%. The larger the loan amount, the higher the interest difference. For example, the same loan is 6.5438+0 million yuan. If the total interest is calculated without considering other factors, then the interest for applying for provident fund loans is 32,500 yuan. If you apply for a commercial loan at the interest rate of 4.90%, the interest will be 49,000 yuan. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, which generally last for 9 months and no more than one year, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Personal housing commercial loans are self-operated loans issued by banks with their credit funds. Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral. Mortgage loan is a kind of commercial loan. Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller has an agreement with the loan bank, and the real estate guarantee enterprise provides guarantee to the bank for the residents' house purchase loan. The difference between housing provident fund loans and commercial loans is as follows: 1, and the interest rate of provident fund loans with different loan interest rates will be lower than that of commercial loans; 2. The loan subjects are different. The main body of housing provident fund loans is employees with provident fund accounts, and commercial loans are aimed at any main body; 3. Adventurers are different. The risk of provident fund loans shall be borne by the housing provident fund management center, and the risk of commercial loans shall be borne by itself. According to the law, employees who have paid the housing provident fund in accordance with Article 26 of the Regulations on the Management of Housing Provident Fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Second, is there a big difference between the interest rates of provident fund and commercial loans in Shenyang now?
Hello, I'm Zhao Degang, a property consultant of Chain Home, and I'm glad to answer your questions. Provident fund loans can generally reach a maximum of 800,000. If your credit rating is high, you can borrow 920,000,654.38+0.04 million. Buying a second house can loan 40% of the appraised value of the house. If the customer's credit qualification is particularly good, you can go to the Credit Information Center (the second floor of Fangzhuang (Community Forum Store)) for credit rating. Aaa level can rise by 30%, that is, the maximum loanable amount is10.04 million, and aa level can rise by 15%, that is, the maximum loanable amount is 920,000. Credit rating is the result of credit center system, and it is impossible to estimate it artificially. (Including education, professional title, working years, work unit, graduation school, fixed assets and other credit-related certificates. ) The interest rate of provident fund loans is 4.55%. A business loan depends on the appraised value of the house you want to buy. The higher the evaluation value, the more loans. If you have any questions about the commercial loan interest rate of 6.55%, please contact me, Zhao Degang 1565859 129.
3. Is there a big difference between the interest rates of provident fund and commercial loans in Shenyang now?
The housing accumulation fund increased by 3.87%
Commercial bank loans are the same as normal loans.
6 months
5.3 1% per year
1-3 years 5.40%
3-5 years 5.76%
More than 5 years, 5.94%
From the perspective of interest rate, of course.
The down payment ratio of the provident fund is not higher than 20% of the total amount, right? I remember.
4. Is there a big difference between Shenyang commercial loan and provident fund interest rate?
The interest rate difference between commercial loans and provident fund loans is about 2%. The larger the loan amount, the higher the interest difference. For example, the same loan is 6.5438+0 million yuan. If the total interest is calculated without considering other factors, then the interest for applying for provident fund loans is 32,500 yuan. If you apply for a commercial loan at the interest rate of 4.90%, the interest will be 49,000 yuan.