1, pure provident fund loan
The benchmark interest rate of pure provident fund loan is 3.25%, the loan is 300,000 yuan, and the mortgage time is 20 years, so the total loan interest is 108380.95 yuan, and the monthly payment is 17065438 yuan +0.59 yuan.
2. Portfolio loan
According to the current real estate market situation, the interest rate of commercial loans for more than five years will generally rise by 10%.
Suppose there are 6,543.8+0.5 million commercial funds, 6,543.8+0.5 million provident fund, 300,000 loans, 20-year mortgage, 654.38+0.49598. The total interest of 65 yuan, 654.38+0.873.33.
3. Pure commercial loans
According to the current situation of the real estate market, the interest rate of commercial loans with a term of more than five years rises 10%. The loan is 300,000 yuan, the mortgage term is 20 years, the interest is 1908 16.35 yuan, and the monthly payment is 2,045.07 yuan.
Second, what is the process of housing loan?
1. Apply for a mortgage.
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
2. Sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
3. Sign a mortgage contract
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
4. Apply for mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
5. Open a special repayment account.
After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.
The repayment of mortgage needs to be calculated according to the loan items applied by the parties, and the repayment results determined by different loan methods are also different. For commercial loans, there are many items that need to be repaid, and the parties need to know the relevant matters from the bank staff when handling them.
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