个人住房贷款全攻略（Individual housing loans Raiders）.doc

个人住房贷款全攻略（Individual housing loans Raiders） Individual housing loans Raiders.Txt love is a very tough word. The upper half of it is taken from abnormal, and the lower half is taken from the abnormal state. At present, the longest used loan methods are one, provident fund loans; two, commercial loans I. provident fund loans. Want to know what is the provident fund loans, it must be clear what is the housing provident fund: housing provident fund is a worker and his monthly paid in accordance with the regulations, owned by individual employees long-term housing savings. If you do not pay the housing accumulation fund in your own unit, or that you are in the unit, there is no housing accumulation fund, can not handle provident fund loans. And even if the unit has paid the individual housing accumulation fund on time and in full, it is also stipulated in the process of handling the provident fund loan. Not just how much you want to borrow, not even how long you want to borrow. Loan amount: individual housing provident fund loans is generally limited to less than 80% of the total purchase price, financing housing (housing reform) does not exceed the maximum total purchase price of 90% commercial housing, affordable housing 80%, less than 70% of second-hand housing, a single loan does not exceed the maximum amount of 400 thousand yuan. Loan period: commercial housing, affordable housing, housing reform housing for 30 years, second-hand housing for 20 years, male workers can be 65 years old, female workers can be loans to 60 years old. Two, commercial loans. Commercial lending benchmark interest rates are announced by the central bank, and commercial banks can float or float down to a certain proportion on the basis of the benchmark interest rate. At present, commercial housing loans for 5 years to the annual benchmark interest rate of 5.94%, up 10% to 6.53%, down 30% to 4.158%. As a result, commercial banks lending rates for more than 5 years range between 6.53%-4.158%. I