1. Can the term of the combined loan provident fund and commercial loan be different?

In the combined loan, the loan of provident fund and commercial loan not only has the same loan term, but also has the same repayment date.

however, provident fund loans and commercial loans each carry out different interest rates (provident fund loans carry out the benchmark interest rate of central bank loans, while commercial loans are shaped with the LPR of the corresponding term as the pricing benchmark, which does not affect each other (business, together with the balance in the housing provident fund account to offset loans).

portfolio loan means that borrowers who meet the requirements of commercial loans for individual housing can apply for provident fund loans for individual housing at the same time when they apply for commercial loans for individual housing, that is, borrowers can apply for commercial loans for bank housing at the same time with the purchased urban self-occupied housing (or other guarantee methods recognized by banks) as collateral.

loan portfolio is a way for banks to spread credit risk among debtors with limited loan amount. Due to the macro factors such as industry characteristics and business cycle, as well as the micro factors such as the correlation of business activities between enterprises, the default dependence table in loan portfolio is made. The higher the default dependence, the greater the potential risk loss of the loan portfolio.

Personal housing portfolio loan is a borrower with sexual loan conditions and a provident fund loan for commercial housing loans. That is to say, the personal housing loan that the borrower issues residential property at the same time with the borrower, which is the general name of policy and commercial loan portfolio.

that is, provident fund loans and commercial loans are used at the same time. Generally, they are used only when personal loans exceed the maximum limit of provident fund loans stipulated by the local government.

If the purchase of high-grade provident fund management center stipulates that the maximum amount of provident fund loans is 1, yuan, commercial loans will be used. At the same time, the interest of provident fund loans cannot be enjoyed.

portfolio loan means that the housing fund management department uses policy housing funds, and commercial banks use credit funds to apply to the handling bank that does not apply for provident fund loans through the same group of policy loans and commercial loans.

Second, can the portfolio loan provident fund be used for commercial loans?

if you meet the requirements, you can withdraw the provident fund to repay the commercial loan

There are two ways to repay the loan with the provident fund

1. Annual repayment, that is, the one-time repayment method

means to withdraw the balance of the housing provident fund account from the entrusted bank once a year, repay the loan principal at one time, and recalculate the monthly repayment amount according to the remaining loan principal and repayment period after repayment. After one-time repayment, the monthly repayment needs to use the customer's own funds, not the money in the provident fund account.

2. Monthly repayment, that is, monthly repayment method

refers to the method of directly withdrawing the loan principal and interest for the current month from the client's provident fund account every month. When the amount of the withdrawn provident fund is insufficient, the client shall make up the repayment amount in time. This method can not only offset the loan principal and interest of the provident fund, but also offset the commercial loan principal and interest.

note: if the customer chooses the one-time repayment method, he can't choose the monthly repayment method, and he can only choose one of the two. However, if you want to change the loan repayment method in the future, customers only need to go to their own loan bank to change the loan repayment method.

Third, do the combined loan provident fund and commercial loan have the same life span?

"Beijing Weijia Anjie" Answer: The combined loan, provident fund loan and commercial loan have the same life span, and the banks applying for the loan must also be in the same bank, with the highest down payment ratio (35% for commercial loans and 2% for provident fund loans).

fourth, must the commercial loan be consistent with the loan period of the provident fund?

It depends on the specific situation. If it is a combination of commercial loans and provident fund loans, then the term must be the same. Because the housing provident fund loan and the commercial loan in the portfolio loan are set with the same mortgage (pledge), if the borrower fails to pay off the loan at the expiration of the loan term, the entrusted bank shall dispose of the set mortgage (pledge). Measures for the Administration of Entrusted Loans of Commercial Banks Article 3 Entrusted loans as mentioned in these Measures refer to loans provided by clients, which are issued, supervised and recovered by commercial banks (trustees) according to the borrower, purpose, amount, currency, term and interest rate determined by clients, excluding entrusted loans under cash management and entrusted loans under housing provident fund. The principal refers to the legal person, unincorporated organization, individual industrial and commercial households and natural persons with full civil capacity who provide entrusted loan funds. Entrusted loan under cash management refers to the collection and transfer of funds between independent legal persons within enterprise groups provided by commercial banks in the form of entrusted loans in cash management services, entrusted by enterprise group customers. Entrusted loans under housing provident fund refer to personal housing consumption loans and affordable housing construction project loans issued by commercial banks entrusted by local housing provident fund management centers with housing provident fund as the source of funds.