What is the loan interest rate for second-hand houses in Baoji in 222
If you buy a second suite, the loan interest rate shall not be less than 1.1 times the benchmark interest rate, and the benchmark interest rate is:
1. Loans within one year (inclusive) with an annual interest rate of 4.35%;
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2. For loans of one to five years (inclusive), the annual interest rate is 4.75%;
3. For loans with more than five years, the annual interest rate is 4.9%.
The interest rates of commercial loans of different banks are different. If you choose commercial loans, you need to consult and compare with several banks.
how to take the loan process of Baoji Provident Fund
How to take the loan process of Baoji Provident Fund
Borrowers can take their ID cards and other materials to the local provident fund management center or related banks for consultation to see if they meet the conditions of provident fund loans and prepare the corresponding loan materials. How to go to Baoji provident fund loan process.
How to go through the loan process of Baoji Provident Fund 1
Loan process
1. Consultation before loan
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
The loan applicant and his spouse prepare relevant materials and go to Baoji Housing Provident Fund Management Center to apply for a loan.
3. Loan review and contract signing
The management center will complete the three-level review procedures of loan preliminary review, review and approval within 1 working days from the date of accepting the application. If the loan is approved through loan approval, it will notify the borrower to sign a loan contract with the entrusted bank; If the loan is not granted, the management center shall notify the applicant and explain the reasons.
4. Handling mortgage guarantee
The mortgage guarantee procedure for loans is handled by the housing developer to the real estate management department, and the length of time depends on the developer's handling speed.
5. Loan issuance
After the mortgage registration formalities are completed, the management center will notify the entrusted bank to transfer the loan funds to 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 monthly repayment amount until all the loan principal and interest are settled.
7. Settlement of the loan
The entrusted bank and provident fund management center will issue a certificate of repayment, and the borrower will go to the house property registration department to cancel the mortgage guarantee and get back the mortgage and pledge, and the loan contract will be terminated.
how to take the loan process of Baoji provident fund 2
There are four ways to calculate the loan amount of provident fund, and the conclusions drawn by different calculation methods are different, so the lowest value can only be selected as the maximum loan amount of provident fund.
1. The maximum balance of the account is 2 times. It is stipulated in the provident fund loan that the maximum loan amount shall not exceed 2 times of the balance of the provident fund account, which means that the more the balance, the higher the loan amount will be.
2. Calculated according to the total house price, the amount of provident fund loans is calculated according to the building area of the house. The maximum amount of provident fund loans is 7% of the total house price for houses with a building area of less than 9 square meters, and the maximum amount of provident fund loans is' 8% of the total house price.
3. According to the borrower's repayment ability, there is a fixed calculation formula for the maximum loan amount, [(the borrower's total monthly income is 4%- the borrower's existing loan is paid monthly ]12 (months) loan period = loan amount. Borrowers can calculate the loan amount according to their monthly deposit amount, income and other values.
4. According to local policies, there are differences in provident fund loan policies in each place. Generally, the maximum loan amount of individual provident fund in first-tier cities is 6, yuan, and that in quasi-first-tier cities is 4, yuan. Borrowers can take the initiative to contact the customer service of the local provident fund management center to learn about local policies.
how to take Baoji provident fund loan process 3
Baoji provident fund loan
interest rate of provident fund loan:
the benchmark interest rate (annual interest rate) of provident fund loan 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 is subject to the housing provident fund loan interest rate stipulated by the People's Bank of China.
(2) If the loan term is one year, the interest rate agreed in the loan contract shall be implemented. If the legal interest rate is adjusted, the loan interest rate will not be changed.
(3) If the loan term is more than one year, the newly issued provident fund loans shall be implemented according to the interest rate grade standard of housing provident fund loans 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 January 1 of the following year.
(4) If you apply for a housing provident fund loan for the second time, the loan interest rate will rise by 1% on the basis of the first housing provident fund loan interest rate in the same period.
loan period:
the minimum loan period of provident fund shall not be less than one year, and the maximum loan period shall be 3 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%. The benchmark interest rate of CCB loans in Baoji for more than five years is 4.9%. After understanding, all banks have generally risen by 1%-15% (different banks have different floating levels), and the interest rate in Baoji has not changed much for the time being.
Baoji Chang' an Bank paid off its 1,-yuan mortgage in five years. How much will it cost in one month?
the loan is 2, yuan and the mortgage is for five years. The monthly payment according to the bank's zd benchmark is as follows:
repayment method with equal principal and interest:
total loan amount of 2,. yuan
repayment months of 6 months
monthly repayment of 3,571.56 yuan
total interest payment of 14,293.72 yuan
total principal and interest of 214,293.72 yuan
repayment method with equal capacity. 1.67 yuan
decreasing monthly: 7.64 yuan
total interest paid is 13,979.17 yuan
total principal and interest is 213,979.17 yuan
What are the guidelines for Baoji Housing Provident Fund Loan of Baoji City
Currently, the borrower must deposit the housing provident fund in Baoji for more than 12 consecutive months before applying for the provident fund loan.
after the reform, the borrower normally paid the housing provident fund for more than six months before applying for provident fund loans.
mutual recognition in different places: employees can apply for individual housing loans of housing provident fund from the housing provident fund management center where their household registration is located with the deposit certificate issued by the housing provident fund management center in their place of employment.
Baoji has not formally implemented the contents of the new policy, and it is still implemented according to the original system. The 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 the housing provident fund has been continuously and fully paid for more than two years;
2. The applicant has a permanent residence in this city and a valid identity certificate;
3. There is a legal and effective purchase contract or agreement for buying a self-occupied house in this city;
4. 3% of the purchase price has been paid;
5. Have a stable occupation and income, and have the ability to repay the loan principal and interest;
6. It can provide legal and effective assets (recognized by the Municipal Housing Provident Fund Management Center) as collateral or pledge, or guarantee by enterprises or individuals with guarantee ability;
7. If the owner-occupied house is overhauled, the owner-occupied house property certificate shall be issued;
8. Other conditions stipulated by the lender.
recommended reading: focus of 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. for those who have paid the housing provident fund in different places and paid it in the current place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original place of payment.
3. In cities where the personal housing loan issuance rate of housing accumulation fund is less than 85%, the amount of the first self-occupied housing loan should be appropriately increased according to the local commodity housing price and per capita housing area, and the support for the employees who pay for the house purchase should be increased.
4. Housing provident fund individual housing loan guarantee is mainly based on the purchased housing mortgage. Cancel the housing provident fund, personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee and other fees.
Interpretation of hot spots in Baoji's new provident fund policy
Introduction to the new policy of Baoji's provident fund
Loan materials
1. An application form for entrusted loan of Baoji's housing provident fund (signed and fingerprinted by both parties);
2. Two copies of proof of the situation of the units of the buyer and his wife (which must be 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 spouse (the second-generation ID card must be copied on both sides);
4. Two copies of the household registration book of both husband and wife (if there is no content in the change column, only copy my own page);
5. Two copies of the down payment invoice or receipt for more than 2% of the house purchase (the name on the receipt must be the same as that of the buyer);
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. One valid house purchase contract (payment by mortgage)
8. According to different loan situations, the following materials need to be provided accordingly:
Baoji housing provident fund loan materials
loan process
new policy loan fees (not implemented)
At present, the fees related to provident fund loans mainly focus on evaluation fees and guarantee service fees. It is understood that these intermediate costs generally account for 3‰ to 4‰ of the total amount of provident fund loans, with a maximum of 8‰.
after the reform, many expenses such as loan insurance, notarization and evaluation in the process of applying for provident fund loans are 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
The loan applicant and his spouse prepare relevant materials and go to Baoji Housing Provident Fund Management Center to apply for a loan.
3. Loan review and contract signing
The management center will complete the three-level review procedures of loan preliminary review, review and approval within 1 working days from the date of accepting the application. If the loan is approved through loan approval, it will notify the borrower to sign a loan contract with the entrusted bank; If the loan is not granted, the management center shall notify the applicant and explain the reasons.
4. Handling mortgage guarantee
The mortgage guarantee procedure for loans is handled by the housing developer to the real estate management department, and the length of time depends on the developer's handling speed.
5. Loan issuance
After the mortgage registration formalities are completed, the management center will notify the entrusted bank to transfer the loan funds to 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 monthly repayment amount until all the loan principal and interest are settled.
7. Settlement of the loan
The entrusted bank and provident fund management center will issue a certificate of repayment, and the borrower will go to the house property registration department to cancel the mortgage guarantee and get back the mortgage and pledge, and the loan contract will be terminated.
Loan amount and interest rate
Changes in the loan amount of the New Deal (not implemented)
Currently, the maximum loan amount applied for in Baoji City is 3, yuan; The actual loan amount of the applicant is within 8% of the total price of the purchased house for the first suite and 4% of the total price of the purchased house for the second suite; The monthly repayment amount shall not exceed 5% 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 is subject to the housing provident fund loan interest rate published by the People's Bank of China. If the interest rate is adjusted during the loan period and the loan period is more than one year, the interest rate standard of the current year will remain unchanged, and the new interest rate standard will be implemented according to the corresponding interest rate grade from January 1 of the following year; If the loan has not been 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% (monthly interest rate is 3.78‰), and the annual interest rate of the second home loan is 4.895% (monthly interest rate is 4.79‰); If the loan term is more than 5 years, the annual interest rate of the first suite is 4.9% (monthly interest rate is 4.83‰), and the annual interest rate of the second suite is 5.39% (monthly interest rate is 4.4917).
note: in case of national interest rate adjustment, the new regulations shall prevail.
loan amount:
loan amount of Baoji housing provident fund
loan period:
loan repayment
repayment method of equal principal and interest:
If the personal loan period of housing provident fund is less than one year (including one year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid off with the principal; If the loan term is more than one year, the loan will be repaid by monthly matching principal and interest.
repayment method of equal principal:
During the loan period, with the consent of the provident fund management center, the borrower can repay the loan in advance in part or in one lump sum, and the amount of partial repayment in advance shall not be less than 1, yuan each time, and it can only be processed after 12 months of normal repayment.
housing loan interest rate of Baoji Chang 'an Bank
What is the interest rate of the first home loan of Chang 'an Bank now (November 17, 222)? Let's take a look at the latest news about the interest rate adjustment of Changan Bank in 222 provided by Little Lion on this website:
Changan Bank
Changan Bank is a legal person joint-stock commercial bank established by a newly established merger with the approval of Yanchang Group, Shaanxi Coal Industry, Shaanxi Nonferrous Metals and other investors under the leadership of Shaanxi Province. Headquartered in Xi 'an, it opened on July 31, 29. With a registered capital of 5.641 billion yuan, it has 1 branches, 14 directly affiliated branches and 24 outlets, covering 1 districts and cities in the province, Yangling Demonstration Zone and Xixian New Area. The regulatory rating of CBRC is 2C. Changan Bank initiated and controlled the establishment of Shaanxi Changyin 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 3 billion yuan, the main business 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.
Chang' an Bank has always adhered to the origin of serving the real economy, and made great efforts to help and pave the way for the economic and social development of Shaanxi. Firmly develop inclusive finance, lead the advantages of financial services for small and micro enterprises in the region, actively help overcome poverty, and develop the payment service for benefiting farmers on a large scale. It has successively opened 1,438 payment service points for benefiting farmers in rural areas of the province, striving to meet the growing financial needs of customers; Accelerate the integration of finance and technology, and rapidly promote new platforms, new businesses and new technologies such as China Unionpay Quick Pass, face recognition technology and finger vein withdrawal; The business product system is increasingly rich, and the small and micro enterprise finance, corporate finance, personal finance, wealth management business, investment banking, financial market and international business have developed in coordination, forming a characteristic business with long cards, credit cards, "Changying, Changsheng, Changju and Changtai" wealth management products 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 222