The down payment/loan amount depends on the local policy and the evaluation decision of the evaluation company. You can ask the provident fund management center first and apply for bank loans for the rest.
2. How much can Suzhou Provident Fund lend to 800 yuan every month?
The loan amount of common provident fund is 10 times to 20 times of the balance of provident fund. Under normal circumstances, the balance of 800 yuan's provident fund can be loaned from 8,000 yuan to16,000 yuan. However, the state has other regulations. If the balance of the provident fund is less than 10000 yuan, the loan shall be calculated according to 10000 yuan. Even if the balance of the provident fund is only 800 yuan, in fact, according to 10000 yuan, the loanable amount is between 100000 yuan and 200,000 yuan.
3. What is the maximum amount of commercial loan for Suzhou portfolio loan?
Hello, you can apply for a commercial loan of 390,000 yuan. The interest rate of provident fund loans is very low. Even if you apply for all 600,000 commercial loans, you can apply for an annual salary of 80,000, which meets the repayment conditions.
How much can Suzhou buy the first set of housing provident fund and commercial portfolio loan?
Hello, yes. Specific procedures can consult the loan bank and provident fund management center.
Portfolio loan application:
Apply for a portfolio loan, and the preliminary procedures are the same as those for provident fund loans;
After the preliminary examination is passed, when the borrower goes to the bank to handle other procedures for provident fund loans, he should fill in the relevant procedures as required by the bank;
After the approval of the two loans is completed, the bank will transfer them to the account of the selling unit;
In portfolio loan, the repayment date of provident fund loan and business is the same, but the interest rate is different.
1. Provident fund loan
Loan speed: 2
Loan amount: The requirements vary from place to place. Please consult the local housing provident fund management center for details. At present, the maximum personal loan in Beijing is 6.5438+0.2 million yuan. For families who pay housing provident fund in Shanghai, the maximum personal loan for the first suite is 500,000 yuan, the maximum personal loan for Guangzhou provident fund is 600,000 yuan, and the maximum personal loan for Shenzhen provident fund is 600,000 yuan.
Loan interest rate: 2.75% for less than 5 years and 3.25% for more than 5 years.
Loan Term: The borrower's loan term is one year, and shall not exceed 30 years.
A down payment of 20%.
Loan Requirements: Taking Beijing as an Example
(a) the purchase of policy housing loans:
1. Establish housing provident fund account >; = 12
2. Pay off all the money 6 months before applying for the loan.
When applying for a loan, it is in the deposit certificate.
(two) the purchase of non policy housing:
1. The housing provident fund shall be paid in full and continuously 6 months before applying for a loan.
2. When you apply for a loan, you are in a deposit state.
The application conditions for provident fund loans vary from place to place. Please consult for details.
2. Commercial loans
Lending speed: when handling commercial mortgage loans, it takes almost two weeks from giving the property certificate to the bank for mortgage to lending, and the progress of different banks may be different.
Loan amount: loanable amount = repayment ability of family monthly income after deducting living expenses and other expenses/repayment amount per 10,000 yuan for the corresponding loan period.
For example, the monthly income is 654.38 million yuan, the monthly living expenses are 3,000 yuan, the loan is 20 years, and the interest rate is 4.90%.
The monthly repayment amount of the loan is/kloc-0.00 million yuan.
Loan amount = (10000-390000 yuan)
Loan interest rate: the current benchmark interest rate is 4.9%.
The longest loan period can be calculated until the borrower is 65 years old, and the longest loan period shall not exceed 30 years.
Down payment: 30% of the total house price.
Loan requirements: the specified down payment (generally greater than or equal to the amount) has been paid.
3. Portfolio loan
Lending speed: 2-3 months or longer.
Loan amount: For example, if the total house price is 6,543,800+0,000, and a loan of 700,000 is needed, but the maximum amount of the provident fund is only 500,000, then the remaining 200,000 can choose a commercial loan, and the total loan amount of the combined loan does not exceed 700,000.
Loan interest rate: the commercial individual housing loan part of the loan is subject to the individual housing loan interest rate, and the provident fund loan part is subject to the individual housing provident fund loan interest rate.
Loan term: commercial individual housing loans are implemented according to the commercial loan term, and provident fund loans are implemented according to the individual housing provident fund loan term.
Down payment: 30% of the down payment for commercial loans.
Loan requirements: it meets the application requirements of both provident fund loans and commercial loans, and is generally only used when personal loans exceed the local maximum amount of provident fund loans.