The introduction of the housing loan policy has indeed solved many people's worries about buying a house, but the loan has interest. Many people didn't take it into account when they borrowed. They only went to loan in order to buy a house in a hurry. However, with the passage of time, the interest will gradually increase, and most people can't afford the pressure brought by the interest, so they should consider it clearly before lending Yes, the following small series will introduce to you how to calculate the interest of house purchase loan? What is the process of buying a house loan?
How to calculate the interest of house purchase loan?
1. For the residents who have participated in the payment of housing provident fund, the low interest loan of housing provident fund should be the first choice. Housing provident fund loan has the nature of policy subsidies. The loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. That is to say, there is a interest rate gap between the mortgage interest rate of housing provident fund and the deposit interest rate of banks.
2. At the same time, housing provident fund loans in mortgage and insurance and other related procedures charge halved. Personal housing commercial loan: people who have not deposited the housing accumulation fund are not eligible to apply for the loan, but they can apply for personal housing guarantee loan of commercial bank, that is, bank mortgage loan.
3. As long as the balance of your deposit in the loan bank accounts for no less than 30% of the capital required for the purchase of a house, and it is used as the down payment for the purchase of a house, and there are assets recognized by the loan bank as collateral or pledge, or there are units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities, then you can apply for the use of bank mortgage loans.
What is the process of buying a house loan?
After signing the mortgage contract, the bank will notify the time of transfer. On the day of transfer, the transaction information will be submitted to the Housing Authority in the morning. After the submission, the Housing Authority will check the information, and it will be finished in about three hours. (this time is usually around 1 PM) you can pay taxes. I'll give you the tax receipt and invoice after paying the tax. There are two copies. You will return the copy to the Certificate Office of the housing authority. He will issue a delivery receipt to you. You can take the receipt back to the bank. After completing the above steps, you can make a loan in about 15-20 days
I believe you are looking at the above Xiaobian for housing loan interest how to calculate? The introduction of the process of house purchase loan should not have much doubt about the loan problem. House purchase loan is very common in our daily life. Loan is of course a major event, so some of the factors should also be taken into account, especially the interest. Now the house loan calculator is also available on the Internet. If you want to calculate, you can use the calculator, which is more convenient.