& shy; The price of houses with mortgage loans rose after several years. In order to revitalize real estate, many citizens would first withdraw and then apply for housing mortgage consumer loans. However, the reporter learned yesterday that “fish and hand-shaped brush cannot have both”, and it will leave inconvenience if the mortgage loan is postponed. After the nature of the loan becomes a housing mortgage consumer loan, individuals will not be able to withdraw the provident fund as usual every year.
& shy; This year, some banks in Rong innovated loan methods and launched a new housing mortgage loan business. The houses purchased by citizens with mortgage loans earlier now appreciate sharply, so they can first release the mortgage and then handle the mortgage loan. Different from the original housing mortgage loan, the customer first raised money to understand the mortgage procedures, and then transferred to this bank for business. The mortgage interest rate was divided into two sections to calculate interest. Assume that the loan amount of the customer is 200,000 yuan left, and the assessed price of the current house is 1 million yuan. According to the proportion of 70%, 700,000 yuan can be loaned, minus the arrears of 200,000 yuan, and another 500,000 yuan can be borrowed. Among them, 200,000 yuan is equivalent to the transfer of mortgage, continuing to implement the original mortgage preferential interest rate, while 500,000 yuan implements the consumer loan interest rate.
& shy; It is understood that this new loan method has attracted some citizens with capital needs. In this way, the borrower is equivalent to keeping the original mortgage while activating the value-added part of the house for other purposes such as consumption.
& shy; However, it should be noted that when the customer handles this business, it will also leave inconvenience while facilitating financing. According to regulations, housing mortgage consumption loans cannot withdraw provident fund. Although some of the customers still enjoy the preferential level of mortgage interest rates after they postpone the mortgage, the whole nature of the loan has become more mortgage consumer loans, in the following days, the provident fund cannot be withdrawn normally once a year.
& shy; Mr. Ye, who lives near the North Road of West Second Ring Road in Fuzhou, told the reporter that he had previously derailed from a joint-stock bank and handled similar business in another bank, except for the original mortgage of about 200,000 yuan, he also received a consumption credit line of more than 20 million yuan. I wanted to apply for it in case of need in the future, but I didn’t expect to withdraw the provident fund. When he was going to the provident fund center to apply for the withdrawal of the provident fund, he was told that the nature of the loan had changed and could not be withdrawn. Therefore, the borrower should also consider this inconvenience when handling this business. (Reporter Yang Jianfeng)