When buying a house with a portfolio loan, you can choose to repay the commercial loan in advance. The specific requirement is that commercial loans can be repaid in advance after one year. The prepayment amount is 654.38+ 100000, which is a multiple of 10000. After meeting the above conditions, you must make an appointment to register one month in advance. After prepayment, the term remains unchanged, and the monthly repayment amount is recalculated according to the remaining loan principal.
When people buy second-hand houses by mortgage in Guangzhou, they can apply for a combined loan of provident fund and commercial loans in Guangzhou Housing Property Rights Guarantee Center. Guangzhou Housing Property Rights Guarantee Center (hereinafter referred to as the "guarantee center") officially launched the second-hand housing provident fund and commercial loan portfolio loan guarantee business. In the case that the borrower's information is complete, it only takes 25 working days from application to loan.
The relevant person in charge of Guangzhou Housing Property Rights Guarantee Center said that at present, the cooperative banks of second-hand housing provident fund loan guarantee business have expanded from the initial two to six commercial banks, including Industrial and Commercial Bank of China, Agricultural Bank, China Bank, China Construction Bank, China CITIC Bank and Guangzhou Rural Commercial Bank. Citizens who apply for the second-hand housing provident fund loan guarantee business can apply directly to the guarantee center or to the above-mentioned commercial bank outlets.
Extended data:
At the promotion meeting of portfolio loans held by Wangcheng District Management Department of Changsha Housing Provident Fund Management Center, the problems encountered in the actual operation of portfolio loans and the processes that need to be optimized were discussed again, and it was indicated that commercial banks would further speed up the examination and approval, and some banks would settle in Wangcheng to facilitate local employees to complete face-to-face interviews at local branches.
According to the data of Changsha Housing Provident Fund Management Center, from 20 19 to 1, the center has issued 299 portfolio loans,130.62 million yuan. Up to now, the center has issued a total of 532 portfolio loans, totaling 233.59 million yuan. It can be seen that the promotion of portfolio loans has been extremely fast this year.
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