Housing loan. (data map)
■ case
Ms. Yan and her husband work in a company run by a friend. 10 years ago, they bought a commercial house in Huilongguan with a loan, and the loan has been paid off. Because the house is far from where they work, they always want to change suites. Taking advantage of the loose loan policy, they want to sell this suite and buy a two-bedroom apartment in Qianhai, Nanshan District. After evaluation, the house price is 2.87 million yuan. Ms. Yan and her husband normally pay the provident fund every month, and their income is also above 6.5438+0 million. They don't know whether it is cost-effective to buy with a portfolio loan or a commercial loan.
& gt& gt expert analysis
Recently, after the introduction of the new provident fund loan policy, many home buyers began to step up their entry into the market. For example, in the case of Ms. Yan, despite the loan to buy a house, the first house has been paid off. After the house is sold, according to the current policy, whether it is using provident fund or commercial loans, it is the first suite. If you buy a house with a commercial loan, the down payment ratio is 30%, and if you use a portfolio loan, the down payment ratio is also 30%. The estimated price of this suite in Qianhai District is 2.87 million yuan, the down payment is 860,000 yuan, and the loan amount is 2.009 million yuan. Taking 2 million and 20-year loans as an example, the author compares portfolio loans with pure commercial loans as follows:
■ Portfolio loan
Advantages: Save interest for buyers.
Through calculation, we can see that the biggest benefit of portfolio loan is to save interest for buyers. Using the "Mortgage APPraiser" on SouFun App, you can calculate the monthly payment of 2 million yuan, with the monthly payment of pure commercial loans of 13 165.99 yuan and combined loans of 1238 1.06 yuan, which is 784.93 yuan less than that of commercial loans. The total interest of commercial loans is 1 159838.09 yuan, and the total interest of portfolio loans is 97 1453.58 yuan, with a difference of 14438+0 yuan. You can save your own interest by combining loans.
Disadvantages: the loan bank is restrictive, with long processing time and high cost.
Although portfolio loans are more economical than commercial loans, the disadvantages of handling portfolio loans are also obvious. First of all, the bank to be handled must be designated by the provident fund management center, which makes property buyers have certain restrictions on choosing banks, loan products and repayment methods. Secondly, the processing time of portfolio loans is longer. Because portfolio loans involve both provident fund loans and commercial loans, they need to be reviewed twice, and commercial loans can only be released after the bank sees his right certificate after mortgage registration, which also makes the process of portfolio loans longer than pure commercial loans and pure provident fund loans, which leads to the low acceptance of this loan method by many owners. Moreover, in terms of loan fees, borrowers may increase their fees when handling portfolio loans, because the service fees of provident fund and commercial loans need to be charged separately.
■ Commercial loans
Advantages: wide application and fast processing flow.
First of all, from the time of loan approval, the borrower can approve the loan in 5-7 days after completing the formalities and the bank uses the commercial loan. After the transfer, the buyer and the seller complete the mortgage registration, and the bank can lend money within 1 week after seeing the certificate of other rights. Therefore, from the time of loan approval and lending, commercial loans have obvious advantages over portfolio loans, and the speed of handling the process is the fastest among all housing loans. Secondly, due to the faster processing speed of commercial loans, many developers and owners recognize commercial loans, and commercial loans are more mobile and widely used in the loan methods of buyers and sellers.
Disadvantages: high loan interest and high cost of buying a house.
Although the processing speed of commercial loans is the fastest, the cost of loans is also the highest. Although the interest rate of commercial loans was 5.40% after the central bank cut interest rates three times, it was 5. 184% after banks generally discounted 9.6, which was much higher than the interest rate of 3.50% for Shenzhen provident fund loans. Because the interest rate of portfolio loans is calculated separately from commercial loans, the interest rate of using commercial loans is higher than that of portfolio loans, which will undoubtedly increase the purchase cost of buyers. The central bank cut interest rates again on June 28th, and the latest interest rate table was exposed.
Comprehensive comparison, portfolio loans and commercial loans have their own advantages and disadvantages. Buyers need to consult relevant loan service agencies according to their own conditions, find out their own loan situation, and then formulate corresponding strategies to save the down payment and interest on the purchase.
(The above answers were published on 20 15-06-29. Please refer to the actual situation for the current purchase policy. )
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