1. What is a subsidized loan? In order to support a certain industry, the state implements interest subsidies for loans in this industry. Such loans are called subsidized loans.

For example: in order to support agriculture (to mobilize farmers' enthusiasm for production), the state provides low-interest loans for the purchase of seeds/fertilizers (in order to ensure the interests of the bank, the insufficient interest part will be supplemented by the state to the bank). Such loans obtained by farmers

It's a subsidized loan.

2. Provident Fund Subsidy Loans have been implemented in Guangzhou for "low interest and fast loan disbursements for combination loans" for many months, and there have been many successful cases. It is reported that interest subsidy loans are only for combination loans, and the biggest advantage may be that the loan time is shorter. This method is currently used

Interest rates have been cut five times this year. If you want to get approved for a loan quickly, you can use a combination of commercial loan interest rates and provident fund loan rates. You can enjoy the benefits of low provident fund interest rates and get loans quickly. Improvement-oriented buyers love to use subsidized loans.

The approval of provident fund subsidized portfolio loans and the willingness to issue loans with subsidized interest rates have increased relatively. According to the November data, portfolio loans have increased by 50% month-on-month. However, overall, there are not many buyers in the market who have a clear understanding of this, so generally.

Those who meet the conditions will first recommend subsidized loans to them. Buyers are also more receptive to this, because the loan approval speed is indeed faster than that of provident funds. They are mainly improvement buyers. They mainly deal with the transaction cases of Bank of China and China Construction Bank.

Currently, 90% of the transactions submitted for approval have been approved. The current market prices are generally high, and buyers who need them will recommend provident fund subsidized loans. As long as the buyer's application meets the provident fund loan conditions, the loan time will be short and the seller will accept it.

Loans with high Provident Fund interest rates require preliminary review by the bank, scanning the information to the Provident Fund Center, and other internal processes. The Provident Fund Center will review and approve whether it meets the standards for Provident Fund loans. Therefore, the approximate approval time for discounted loans takes 12 to 15 working days, so from

The case is processed and approved; the approval time for commercial loans is about ten working days shorter than that for Provident Fund discount loans, but enjoying the benefits of Provident Fund’s low interest rates can be significantly shortened, which will greatly promote the closing of transactions between buyers and sellers. Experts recommend: Provident Fund interest discounts.

If the loan amount is sufficient, you can apply for the so-called "provident fund personal housing discount loan", which means that commercial banks use bank funds to issue subsidized loans to borrowers who meet the conditions of housing provident fund loans and commercial bank personal housing loans. The borrower pays the bank based on the commercial housing loan interest rate.

The interest difference between the provident fund loan and the provident fund loan will be paid to the borrower on a monthly basis by the Guangzhou Housing Provident Fund Management Center. Employees who meet the provident fund loan conditions can voluntarily choose the provident fund loan and the borrower will be deemed to be eligible for the Guangzhou Housing Provident Fund.

There are three banks, China Construction Bank, Bank of China and Guangzhou Rural Commercial Bank, that can accept subsidized loans. Through subsidized loans, buyers can not only enjoy the low interest rates of the provident fund, but also get loans quickly. %, the subsidized loans will be forced to be converted into commercial loans.

For loans, the Provident Fund Management Center will no longer provide interest discount services. It is reported that the Guangzhou Provident Fund Center plans to invest 5 billion yuan a year in discount loans. At present, the acceptance of provident fund discount loans is high, so will the quota be exhausted?

According to bank feedback, there are more than 200 transactions in more than a month. Even based on the 6,000 second-hand units sold in Guangzhou in November, the proportion of combined loans is approximately 15% to 20%. Even if the loan is 1 million yuan, the loan

The amount is only a few hundred million yuan. Interest rates have been cut five times this year. The interest rate of commercial loans is not much different from the interest rate of provident fund loans. At present, the waiting time for pure provident fund loans is still very long. If you want to get a loan quickly, it is recommended to use a combination loan.

, that is, if the provident fund loan limit is not completely used up, you can also apply for a small commercial loan. In this way, the interest expense will not increase much, but the loan speed will be much faster.

(The above answer was published on 2015-12-21. Please refer to the actual relevant current home purchase policies.) Click to view more real estate information. 3. The difference between business-to-public transfer and interest discount. The difference between discount loan and combination loan. Subsidy loan, also known as public-to-business loan.

It is a policy-based interest discount business for personal housing guaranteed loans jointly launched by the Housing Fund Management Center, the Loan Guarantee Center and commercial banks.

Home buyers can receive loans directly from cooperative banks without having to go to the center or bank to go through two sets of procedures and pay two handling fees.

In this way, the loan time may be reduced from several months to just a few days.

As for the interest rate difference between commercial loans and provident fund loans, the interest provided by the government housing fund is returned to the cooperative banks, and the final interest discount benefit still falls on the lender.

Benefits of subsidized housing loans The existing portfolio loan procedures are relatively complicated. The borrower must pay attorney fees, insurance premiums, provident fund loan evaluation fees and mortgage registration fees at the same time for commercial loans.

In the interest discount business, banks, funds and guarantee agencies jointly entrust law firms to handle individual loan, interest discount and guarantee application procedures. The borrower only needs to go through the door once to complete the application matters, the procedures are simplified and the cost is reduced.