Ji'nan provident fund loan interest rate low or some people take the opportunity to buy houses
Lu tennis
recently, Mr. Hu, a Ji'nan citizen, is calculating to buy a house to play, because the interest rate of the provident fund has fallen to the lowest point in history Point, which is lower than the deposit interest rate in the same period, he felt that it would be a loss if he did not take the opportunity to buy a house. In this regard, the industry analysts believe that low interest rates are not good enough to take account of the two major risks should be considered.
people feel
not buying a house. I am sorry about the interest rate
Mr. Hu has found that the interest rate of the provident fund management center has dropped to 3.75% for more than five years since May 11th. This is the historical lowest level of the loan interest rate since the establishment of the housing provident fund system in Ji'nan, now it is When buying a house at the lowest cost, I am sorry about the interest rate. 3.75%, the income of the balance treasure is also higher than this?
Mr. Hu has not been idle recently, is free to go around the building, he found, in the west station section to buy a three room and two hall garden house, but also millions of yuan up and down, the choice of room is not small.
now the stock market is booming, the property market is deserted, and the price is almost falling. Mr. Hu calculates that there is a 4.5 million idle money in his hand, and the balance of the husband and wife's fund account is also about one hundred thousand.
wishful thinking
cash can not pay the full
it is better to buy a house to play. Mr. Hu thinks this account is the right account, the money in the provident fund account can not sleep well, buy a 1 million house, take 300 thousand -50 million first pay, the rest of the fund loan, although the maximum can only loan 500 thousand yuan, but now the bank also provides humanized service, the loan is not enough, business loans come together, a portfolio loan is done. It's fixed.
in fact, Mr. Hu, who wants to take advantage of the lowest point of interest to buy a house at the lowest point of history, is also going to take a house to make a sleeping fund balance to take advantage of the low interest rate of the bank.
cash and no payment. Now the interest rate is so low that loans can be made, loans are made, and there are spare cash in hand. The annual yield of trust products is close to 10%. If it doesn't work, there will be a 5.32% gain in the five year treasury bonds, and more than 3.75% in the five years' time deposits, Mr. Xu said.
the industry view
two major risks can not be taken into account of
, now is it true that the loan house is really steady?
first, loan interest rates are not static. Interest rates or interest rates are cyclical. Now the rate of interest rate reduction is frequent, certainly will not be indefinitely down, it is likely to have to raise interest rates in two years, perhaps more than now, and the purchase of the purchase is a long-term, often last ten years or even twenty years, the interest cost once a substantial increase, the account will have to be recalculated, it is likely to fail.
secondly, the future of the real estate market is uncertain. Although the government has been in the introduction of a variety of good policy, in the future, once the housing price decline, no one to pick up, bought a house devaluation or even can not be turned out, do not rule out the possibility of smashing in the hands of.
official statement provident fund can not be compared to the income
reporter learned from the housing provident fund management department that the original intention of the establishment of the provident fund system is to solve the housing problem, with mutual assistance, long-term, welfare, the primary goal is not to invest to obtain income, but to help the workers to buy a house, so the loan The interest rate is low, so we can not simply compare earnings with other investment and financing.
in order to ensure the liquidity and safety of funds, the accumulation fund has a restrictive threshold for the use and extraction of the balance. The workers can not buy the house by themselves, and the balance is put forward.
in fact, even if there is a lot of restrictions, Qingdao and other cities with higher housing prices have reached more than 90% of the utilization rate of the provident fund, facing the situation that there is no money to lend. Last year, the utilization rate of the provident fund reached 82%, and the Ji'nan provident fund management center (excluding power, Jinan Steel and Railway Sub Center) was 83.4%.
Ji'nan stipulates that the balance of the provident fund can be extracted from the purchase of own housing, the repayment of the principal and interest of the mortgage, the payment of the rent, the payment of the property fees, the unemployment or the dissolution of the labor relations, the departure of the work, the retirement, the settlement of the country, the death and the loss of the ability to work. Last year, the extraction amount of Ji'nan provident fund was about 7000000000 yuan, of which 3/4 were used to buy houses and mortgage loans.
at the end of last year, the balance of Ji'nan provident fund was 170 billion yuan, of which 140 million yuan was a current deposit, the rest were regular deposits, and the interest income was close to 680 million yuan. According to the relevant regulations, the balance of provident fund can not be used for other channels as well as social security.
housing provident fund loan interest rate changes
1999-09-21 4.14% 4.59%
2002-02-01 3.60% 4.05%
2004-10-23 3.78% 4.23%
4.32% Br />
2007-05-19 4.41% 4.86%
2007-07-21 4.50% 4.95%
2007-08-22 4.59% 5.04%
2007-09-15 4.77% / > 4.05% / > 20. 20 08-11-27 3.51% 4.05%
2008-12-23 3.33% 3.87%
2010-10-20 3.50% 4.05%
2010-12-26 3.75% 4.30%
4% 2008-12-23 / > 4.45% 2008-12-23 / > 4.45% / > 4.20% 4.70. %
2012-07-06 4% 4.50%
2014-11-22 3.75% 4.25%
2015-03-01 3.50% 4.00%
2015-05-11 3.25% 3.75%