When buying a second house, the loan interest rate shall not be lower than 1. 1 times the benchmark interest rate, that is:
1, loans within one year (inclusive), with an annual interest rate of 4.35%;
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2. For loans from one year to five years (inclusive), the annual interest rate is 4.75%;
3. For loans with a term of more than five years, the annual interest rate is 4.90%.
The commercial loan interest rates of different banks are different. If you choose a commercial loan, you need to go to several banks for consultation and comparison.
How to go to Baoji provident fund loan process
How to go to Baoji provident fund loan process
How to go to Baoji provident fund loan process? Borrowers can first take ID cards and other materials to the local provident fund management center or related banks for consultation to see if they meet the conditions for provident fund loans and prepare the corresponding loan materials. How to go to Baoji provident fund loan process?
Baoji Provident Fund Loan Process 1 How to get there?
Loan process
1, pre-loan consultation
Applicants go to Baoji Housing Provident Fund Management Center or log on to the housing provident fund website for consultation and get relevant forms.
2. Loan application
Loan applicants and their spouses prepare relevant materials and apply for loans at Baoji Housing Provident Fund Management Center.
3, loan review and contract signing
The management center shall complete the three-level review procedures of loan preliminary examination, review and approval within 10 working days from the date of accepting the application, and notify the borrower to sign a loan contract with the entrusted bank if the loan is approved; If the loan is not granted, the management center shall notify the applicant and explain the reasons.
4. Apply for mortgage guarantee
Loan mortgage guarantee procedures are handled by the housing developer to the real estate management department, depending on the speed of the developer.
5. Lending
After the mortgage registration formalities are completed, the management center shall notify the entrusted bank to transfer the loan funds into the collection account of the selling unit within 5 working days after receiving the mortgage.
6. Performance repayment
According to the loan contract, the borrower shall repay the loan on a monthly basis until all the principal and interest of the loan are paid off.
Step 7 settle the loan
The entrusted bank and provident fund management center issue repayment certificates, and the borrower goes to the housing property registration department to go through the formalities of canceling the mortgage guarantee and get back the mortgage and pledge, and the loan contract is terminated.
How to go through the second loan process of Baoji Provident Fund?
There are four methods to calculate the amount of provident fund loans, and the conclusions drawn by different methods are different. Only the lowest value can be selected as the maximum loan amount of provident fund.
1, and the maximum balance of the account is 20 times. It is stipulated in the provident fund loan that the maximum loan amount shall not exceed 20 times the balance of the provident fund account, which means that the more the balance, the higher the loan amount.
2. Calculated according to the total house price, the amount of provident fund loan is calculated according to the building area. For houses with a building area of less than 90 square meters, the maximum amount of provident fund loans is 70% of the total house price, and the maximum amount of provident fund loans is' 80% of the total house price.
3. According to the borrower's repayment ability, there is a fixed formula for calculating the maximum loan amount, [(the borrower's total monthly income and the monthly deposit of housing provident fund) 40%- the borrower's current loan monthly payment] 12 (month) loan period = loan amount. Borrowers can calculate the loan amount according to their monthly deposits, income and other values.
4. According to local policies, the provident fund loan policy in each place is different. Generally, the maximum loan amount of individual provident fund in first-tier cities is 600,000 yuan, and the maximum loan amount in quasi-first-tier cities is 400,000 yuan. Borrowers can take the initiative to contact the customer service of the local provident fund management center to understand the local policies.
Baoji provident fund loan process how to go 3
Baoji provident fund loan
Provident fund loan interest rate:
The benchmark interest rate (annual interest rate) of provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years.
The specific provisions are as follows:
(1) The loan interest rate shall be subject to the housing provident fund loan interest rate stipulated by the People's Bank of China.
(2) If the loan term is 1 year, the interest rate agreed in the loan contract shall be implemented. In case of legal interest rate adjustment, the loan interest rate remains unchanged.
(3) If the loan term exceeds 1 year, the newly issued provident fund loan shall be implemented according to the interest rate grade standard of housing provident fund loan announced by the People's Bank of China on the day of issuance; In case of legal interest rate adjustment of existing loans, the new interest rate standard will be implemented according to the corresponding interest rate grade from the following year 1.
(4) Apply for housing provident fund loan for the second time, and the loan interest rate will rise 10% on the basis of the first housing provident fund loan interest rate in the same period.
Loan term:
The shortest term of provident fund loans shall not be less than 1 year, and the longest term shall be 30 years. The actual loan period shall not exceed 5 years after the borrower's statutory retirement age, and the loan period shall not exceed the remaining service life of the house.
What is the floating interest rate of commercial loan house of Shaanxi Baoji Construction Bank?
4.9%。 Baoji's benchmark interest rate for CCB loans over five years is 4.9%. It is understood that banks generally float 10%- 15% (different banks float at different levels), and the interest rate in Baoji area has not changed much at present.
Baoji Changan Bank paid off100000 mortgage in 5 years. How much is it a month?
The loan is 200,000 yuan, and the mortgage is five years. The monthly payment according to the bank's zd benchmark is as follows:
Matching principal and interest repayment method:
The total loan is 200,000 yuan.
Repayment months: 60 months
The monthly repayment is 357 1.56 yuan.
Total interest paid 14293.72 yuan.
The total principal and interest is 265,438+04,293.72 yuan.
Average capital repayment method:
The total loan is 200,000 yuan.
Repayment months: 60 months
The repayment in the first month is 37,965,438 yuan +0.67 yuan.
Decreasing monthly: 7.64 yuan
Total interest paid 13979. 17 yuan.
Total principal and interest is 265,438+03,979.17 yuan.
What are Baoji Provident Fund loan cooperative banks?
Baoji housing provident fund loan guide
At present, the borrower should deposit the housing provident fund 12 months or more in Baoji when applying for provident fund loans.
After the reform: before applying for the provident fund loan, the borrower has paid the housing provident fund for more than 6 months (inclusive).
Mutual recognition in different places: employees can apply for individual housing loans from the housing provident fund management center where they are registered with their domicile on the basis of the deposit certificate issued by the housing provident fund management center in their place of employment.
Baoji city has not formally implemented the contents of the new policy, and it is still implemented according to the original system. Details are as follows:
1. The applicant and his unit have opened a housing provident fund account in the housing provident fund management center and paid the housing provident fund in full for more than two years;
2. The applicant has a permanent residence in this city and a valid identity document;
3, in the city to buy their own housing, there is a legal and effective purchase contract or agreement;
4. 30% of the payment has been paid;
5. Have a stable occupation and income, and have the ability to repay the loan principal and interest;
6, can provide legal and effective (approved by the city housing provident fund management center) assets as collateral or pledge, or have the ability to guarantee the enterprise or individual to provide security;
7, overhaul of its own housing, should issue a certificate of ownership of its own housing;
8. Other conditions stipulated by the lender.
Recommended reading: the focus of the new provident fund policy
1. All provinces, autonomous regions and municipalities directly under the Central Government should realize mutual recognition and transfer of housing provident fund deposits in different places and promote the loan business in different places.
2. If the housing provident fund is deposited in different places and the deposit is less than 6 months, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place.
3. In cities where the personal housing loan issuance rate of housing provident fund is less than 85%, the first set of self-occupied housing loan quota will be appropriately increased according to the local commodity housing price and per capita housing area, and the support for paid employees to purchase houses will be increased.
4. Housing provident fund Personal housing loan guarantee is mainly based on the purchased housing mortgage. Cancel housing provident fund, personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee fees.
Interpretation of Baoji Provident Fund's New Deal
Brief introduction of Baoji provident fund new policy
Loan materials
1, 1 copies of Baoji housing provident fund entrusted loan application form (signed by both parties and fingerprinted);
2. Two copies of the certificate of the situation of the buyer and his wife (filled in and signed by the salary management personnel of both units);
3. Two copies of the ID card of the purchaser and two copies of the ID card of the spouse (the second-generation ID card must be copied on both sides);
4. Two copies of the husband and wife's household registration book (if there is no content in the change column, only copy my page);
5. Two copies of the down payment invoice or receipt for more than 20% of the purchase price (the name on the receipt must be the same as the name of the purchaser);
6. Two copies of marriage certificate (including content page and photo page, unmarried certificate issued by the unit, divorce certificate or judgment provided by divorce);
7. 1 Effective house purchase contract (mortgage payment)
8. According to different loan situations, the following materials shall be provided accordingly:
Baoji housing provident fund loan materials
Loan process
Provisions on loan fees under the new policy (not implemented)
At present, the expenses related to provident fund loans are mainly concentrated in evaluation fees and guarantee service fees. It is understood that these intermediate costs generally account for 3‰~ 4‰ of the total provident fund loans, and the highest can reach 8‰.
After the reform, many expenses such as loan insurance, notarization and evaluation in the process of applying for provident fund loans were cancelled.
1, pre-loan consultation
Applicants go to Baoji Housing Provident Fund Management Center or log on to the housing provident fund website for consultation and get relevant forms.
2. Loan application
Loan applicants and their spouses prepare relevant materials and apply for loans at Baoji Housing Provident Fund Management Center.
3, loan review and contract signing
The management center shall complete the three-level review procedures of loan preliminary examination, review and approval within 10 working days from the date of accepting the application, and notify the borrower to sign a loan contract with the entrusted bank if the loan is approved; If the loan is not granted, the management center shall notify the applicant and explain the reasons.
4. Apply for mortgage guarantee
Loan mortgage guarantee procedures are handled by the housing developer to the real estate management department, depending on the speed of the developer.
5. Lending
After the mortgage registration formalities are completed, the management center shall notify the entrusted bank to transfer the loan funds into the collection account of the selling unit within 5 working days after receiving the mortgage.
6. Performance repayment
According to the loan contract, the borrower shall repay the loan on a monthly basis until all the principal and interest of the loan are paid off.
Step 7 settle the loan
The entrusted bank and provident fund management center issue repayment certificates, and the borrower goes to the housing property registration department to go through the formalities of canceling the mortgage guarantee and get back the mortgage and pledge, and the loan contract is terminated.
Loan amount and interest rate
New Deal loan amount change (not implemented)
At present, the maximum amount of loan applied for in Baoji City is 300,000 yuan; The actual loan amount of the applicant is less than 80% of the total price of the first suite and 40% of the total price of the second suite; The monthly repayment amount shall not exceed 50% of the family's monthly income.
After the reform: Baoji City has not adjusted the amount of provident fund loans yet, and will update it as soon as possible if there is any change.
Loan interest rate:
The loan interest rate shall be implemented according to the housing provident fund loan interest rate published by the People's Bank of China. In case of interest rate adjustment during the loan period, if the loan has been issued and the loan term exceeds 1 year, the interest rate standard will remain unchanged in that year, and the new interest rate standard will be implemented from 1 in the following year. If the loan is not issued, the new interest rate standard will be directly implemented. At present, if the loan term is less than 5 years (including 5 years), the annual interest rate of the first home loan is 4.45% (the monthly interest rate is 3.708‰), and the annual interest rate of the second home loan is 4.895% (the monthly interest rate is 4.079 ‰); If the loan term exceeds 5 years, the annual interest rate of the first suite is 4.90% (monthly interest rate is 4.083‰), and the annual interest rate of the second suite is 5.39% (monthly interest rate is 4.49 17).
Note: In case of national interest rate adjustment, the new regulations shall prevail.
Loan amount:
Baoji housing provident fund loan amount
Loan term:
Baoji housing provident fund loan period
Loan repayment
Matching principal and interest repayment method:
If the term of personal loan for housing provident fund is within 1 year (including 1 year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal; If the loan term exceeds 1 year, the principal and interest shall be repaid in equal amount on a monthly basis.
Average capital repayment method:
During the loan period, with the consent of the provident fund management center, the borrower may prepay in part or in one lump sum, and the amount of partial prepayment shall not be less than 65,438+00,000 yuan each time, and it can only be handled when the normal repayment reaches 65,438+02 months.
Baoji Chang 'an Bank Housing Loan Interest Rate
What is the current interest rate of the first home loan of Changan Bank (2022.6438+0 1.5438+07)? Let's take a look at the latest news of Changan Bank's interest rate adjustment in 2022:
Changan bank
Chang 'an Bank is a legal person joint-stock commercial bank led by Shaanxi Province and approved by investors such as Yanchang Group, Shaanxi Coal Industry and Shaanxi Nonferrous Metals. Headquartered in Xi 'an, it opened on July 3, 20091. With a registered capital of 56,465,438+billion yuan, it has jurisdiction over 10 branches, 14 directly affiliated branches and 240 outlets, covering all provinces 10 districts and cities, Yangling Demonstration Zone and Xixian New Area. The regulatory rating of CBRC is 2C. Changan Bank initiated and controlled the establishment of Shaanxi Yin Chang Consumer Finance Co., Ltd., the first consumer finance company in Shaanxi Province, and set up four village banks inside and outside the province.
The total assets of the Group exceeded 300 billion yuan, the main operating indicators continued to grow, the rate of return of shareholders and social contribution continued to improve, and the operating strength, profitability and social strength were comprehensively enhanced.
Changan Bank always adheres to the origin of serving the real economy and strives to help and pave the way for Shaanxi's economic and social development. Firmly develop inclusive finance, lead the advantages of financial services for small and micro enterprises in the region, actively help overcome poverty, and develop payment services for benefiting farmers on a large scale. 1438 huinong payment service point was opened in rural areas of the province, and efforts were made to meet the growing financial needs of customers; Accelerate the integration of finance and technology, and quickly promote new platforms, new businesses and new technologies such as China UnionPay Express, face recognition technology and finger vein withdrawal; The business product system has become increasingly rich, and small and micro enterprise finance, corporate finance, personal finance, wealth management business, investment banking, financial market and international business have developed in a coordinated manner, forming financial products featuring dragon cards, credit cards, "Chang Ying, Changsheng, Changju and Changtai" and online financial products such as Changan Bank, "Micro Road", Anxinbao, "Excellent Tax E Loan" and "Pratt & Whitney E Loan".
Chang 'an Bank Loan Interest Rate Table 2022