Five years or more, the implementation of the Ji'nan provident fund loan interest rate starts.
daily daily daily news June 8th (reporter Cui Rongjie Intern Li Meiling) after the people's Bank of 7, after the announcement of interest rates, today the Ministry of housing and urban and Rural Construction issued a notice, from June 8, 2012, down the individual housing provident fund loan interest rate. Over five years, the interest rate of individual housing provident fund has been reduced to 4.70%. Ji'nan housing provident fund management center responsible person said that Ji'nan has been implemented since today.
"old and new provident fund loans, all interest rates 4.70% today." Ji'nan provident fund management center responsible person said that they have received the relevant notice, from now on, according to the notice requirements of the deposit and loan interest rates to make adjustments.
and the accumulation fund interest rate is down, the most direct change is the reduction of the amount after the purchase of the housing accumulation fund, although not too much, but it will have a certain impact on the psychological expectations of the buyers.
some areas recently raised the upper limit of the fund loan amount, Ji'nan housing provident fund management center responsible person said that Ji'nan has not raised the plan, the upper limit is still 500 thousand yuan, in view of the current Ji'nan house price level, the upper limit can basically meet the needs of the public.
market people according to the upper limit of the calculation, if the loan of 500 thousand yuan provident fund, equal capital and interest for 30 years, the monthly repayment of the amount from 2653 yuan to 2593 yuan, about 60 yuan a month less, to support the demand for the purchase of new buyers.
according to the announcement issued by the central bank, the interest rate of commercial loans over five years is reduced from 7.05% to 6.80%. In the same way, the amount of commercial loans of 500 thousand is repaid in 30 years of equal principal and interest. According to the adjusted 6.80% loan interest rate, the monthly repayment amount is 3259 yuan. More than 666 yuan a month more than the provident fund loan. In contrast, the advantages of provident fund loans are still very obvious.
reporter learned that, since 2010, despite the strengthening of real estate regulation policy, the interest rate of housing provident fund loans over five years has been raised from October 20, 2010, to July 2011, the interest rate of provident fund loan has been continuously raised 5 times, from 3.87% at the end of 2010, up to 4.90% before this, and 1.03% in 5 times. The 8 day interest rate reduction is the first time in the past two years since the end of 2010, the interest rate on provident fund loans has been lowered.