Provident fund in different places, "family loans" applauded hard for the month to increase, buyers reluctantly give up
Shandong commercial newspaper,
in August 3rd, the office of Shandong provincial government issued and implemented "the office of the people's Government of Shandong Province on the improvement of provident fund management The guiding principle of enlarging housing consumption is proposed, and it is proposed to abolish the restriction of household loans in different places in the province and be implemented at the end of 8. It has been more than two months ago, but there is a difficult time for buyers to deal with a foreign loan, facing a short supply of loan for a short period of time.
Home Buyer Xiao Chen bought a new house in Ji'nan in the early September. He has been working for 3 years in Ji'nan. He is ready to use a combination loan. The balance of his provident fund account is only 10 thousand yuan. Chen thought of the method of using the common loan of his father's provident fund. My hometown is in the field, so I did not expect to use my father's provident fund at the beginning, and later I heard that Shandong liberalized the foreign loan policy, so I asked the bank to deal with the loan business, the answer is can be handled, it was very happy, I calculated that my own provident fund can only lend 150 thousand yuan. My father can lend 220 thousand yuan, which will reduce the interest rate. Xiao Chen told the reporter.
a reporter found that the benchmark interest rate of the provident fund loan was only 3.25%, but the benchmark interest rate of commercial loans was up to 5.15%. If the 220 thousand yuan was able to go to the public, Chen did reduce the pressure on repayment.
but when Xiao Chen went back to his hometown to bring back his residence booklet and his father's provident fund deposit certificate, the fund was not used, but he was in trouble again. The bank staff told me that because my father was 48 years old, I could only handle 17 years of loan for the maximum loan age of 65, and 590 thousand yuan for each month for a month to close to 4000 yuan. For me, the pressure was too high, and a Ji'nan household employee was also required to be a guarantor of the two. I can not reach the limit, so I can only give up, now I use my own provident fund for 30 years of portfolio loans, 3000 yuan per month, although the interest is a little higher, but now the pressure is small. Xiao Chen said.
, later, the reporter consulted Xiao Chen to deal with the loan of the bank, although the provident fund foreign loan can be handled, but at present, this kind of business has not been handled. Deal with a lot of foreign loans, but the situation like Xiao Chen is really not much, mainly involved in the age of parents can not get enough loan years, at the same time, the need for the guarantor also let a lot of home buyers. One of the bank's surname managers told the reporter.
according to Xiao Chen's statement, the reporter found that, in the case of only 17 years of loan, 380 thousand yuan of provident fund loans and 210 thousand yuan of commercial loans were calculated by the loan benchmark rate of 5.15% before the October 24th interest rate reduction, and the monthly supply was up to 3945.09 yuan even if the business and loan part hit 5% off. In the case of provident fund loans 150 thousand, commercial loans 440 thousand yuan, Xiao Chen can loan for 30 years, the monthly repayment amount is only 2986 yuan.
but the reporter noticed that although the monthly repayment pressure was reduced, the loan of the provident fund was still more cost-effective. If the loan was 17 years, the total capital and interest were only 800 thousand yuan, but the loan for 30 years would be nearly 1 million 100 thousand yuan.