Is the combined loan provident fund paid separately from the bank?

Separate calculation, repayment methods are different. For commercial loans, it is necessary to repay the bank every month (if the bank card is associated, it will be deducted directly from the bank card), while for provident fund repayment, it will be deducted directly from the provident fund account.

It is ok to prepay commercial loans, and you can apply to the bank.

Extended data:

Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.

classify

Personal housing portfolio loan refers to the borrower who meets the conditions of a bank's personal housing commercial loan and pays the housing provident fund at the same time. While handling commercial loans for individual housing, you can also apply to the bank for personal housing provident fund loans.

That is, the borrower takes the purchased urban self-occupied housing in this city as collateral, and the bank issues personal housing loans to the same borrower at the same time to purchase the same set of self-occupied ordinary commodity housing, which is a general term for policy and commercial loan portfolios.

That is, provident fund loans and commercial loans are used at the same time, generally only when personal loans exceed the local maximum amount of provident fund loans.

Buying a high-end house requires a loan of 500,000 yuan, while the local provident fund management center stipulates that the maximum loan for the provident fund is 400,000 yuan. In this case, the remaining 654.38 million yuan is used for commercial loans, and the interest cannot enjoy the interest of provident fund loans.

Portfolio loan is a loan issued by the housing fund management department to the same borrower by using policy housing funds and commercial banks by using credit funds. It is the general name of policy loan and commercial loan portfolio.

When individuals can't pay the purchase price through provident fund loans, they can apply for portfolio loans from the handling bank entrusted with provident fund loans.

content

Loan portfolio is a way for banks to distribute credit risks by granting loans to more than two debtors under the constraint of limited total loans.

Due to macro factors such as industry characteristics and business cycle, and micro factors such as the correlation of business activities among enterprises, the correlation of default in loan portfolio is characterized by cycle correlation and risk dispersion. The higher the default dependence, the greater the potential risk loss of the loan portfolio.

References:

Baidu encyclopedia-portfolio loan