1. Since the interest rate of provident fund loans has not been adjusted in 20 13 years, the existing interest rate of provident fund loans will not change in 20 14 years. If it is a new provident fund loan in 20 14, the interest rate at the time of loan issuance shall prevail. At present, the latest interest rate of provident fund loans is 4% within five years (inclusive) and 4.5% above five years. The first home loan is implemented according to the benchmark interest rate, and the second home loan interest rate will rise by 10%.
2. Interest rate of provident fund loan: adjust and implement the current interest rate of provident fund loan on March 1 day, 2065438. The interest rate of provident fund loans for more than five years is 4%, the monthly interest rate is 4%/ 12, and the interest rate of provident fund loans for five years and less is 3.5% per year, which is consistent throughout the country.
3. Commercial loan: (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 6, 2002. Types and annual interest rates are as follows: ① Short-term loans with a term of 6 months (inclusive) of 5.6%; ② 6% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.15%; ④ 6.4% for three to five years (inclusive); ⑤ More than five years, 6.55%. (2) Mortgage is a comprehensive evaluation of the bank loan interest rate according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the loan interest rate of the first suite in some banks is 1.6438. 000000000006. Starting from 20 12, most banks adjust the interest rate of the first suite to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be as high as 15%. The interest rate after discounting 15% for five years and above is 6.55%0.85=5.5675%, which has been tightening since the third quarter and the beginning of 20 13 due to the shortage of funds and credit funds. The interest rate of the first suite is generally between the benchmark interest rate and the 15% discount.
What is the interest rate of housing provident fund?
XI Yinfa [2014]182 issued by Xi Branch of the People's Bank of China on 22 October according to the Notice on Lowering the Benchmark Interest Rate of RMB Loans and Deposits of Financial Institutions to Promote the Interest Rate Marketization Reform. The relevant matters concerning the adjustment of deposit and loan interest rates of housing provident fund are hereby notified as follows:
1.2014165438+1October 22nd, the deposit interest rate of individual housing provident fund will be lowered. The interest on individual housing provident fund deposits collected in that year remained unchanged at 0.35%; The deposit interest rate of individual housing provident fund carried forward from the previous year was lowered from the current 2.6% to 2.35%, down by 0.25 percentage point.
2. From 2014165438+1October 22nd, the interest rate of individual housing provident fund loans will be lowered. The interest rate of individual housing provident fund loans with a term of less than five years (including five years) is lowered from the current 4% to 3.75%, down by 0.25 percentage points; The interest rate of individual housing provident fund loans for more than five years has been lowered from the current 4.5% to 4.25%, down by 0.25 percentage point.
3.2014165438+10.22 From October, the housing provident fund will be used to issue loans to support the construction of affordable housing, and the loan interest rate will rise 10% according to the loan interest rate of individual housing provident fund for more than five years.
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14 Zhejiang provident fund loan interest rate
20 14 the loan interest rate of Hangzhou housing provident fund is still subject to the interest rate standard issued by the central bank on July 6, 20 12. Details are as follows:
Loan Term Annual Interest Rate%
Less than five years (including five years) 4.00
More than five years
In addition, we need to remind everyone that if the interest rate is adjusted during the loan period, it will be adjusted according to the following provisions: if the loan term is within 1 year (including 1 year), it will be implemented at the loan contract interest rate without adjustment; If the loan term exceeds 1 year, the new interest rate standard will be implemented from next year.
20 14 provident fund loan interest rate
The interest rate of provident fund loans in 20 14 years has not been adjusted, and the existing interest rate of provident fund loans in 20 14 years remains unchanged. If it is a new provident fund loan in 20 14, the interest rate at the time of loan issuance shall prevail. At present, the recent interest rate of provident fund loans is 4% within five years (inclusive) and 4.5% above five years. The first home loan is implemented according to the benchmark interest rate, and the second home loan interest rate will rise by 10%.
Based on the latest interest rate of provident fund loans, the 500,000 yuan provident fund loan will be repaid with equal principal and interest within 20 years. The monthly payment is 3 163.25 yuan, and the total interest is 259 179.25 yuan.
1. The calculation formula of provident fund loan based on repayment ability is: loan amount = [(total monthly salary of the borrower or husband and wife, monthly contribution of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of existing loans of the borrower or husband and wife ]×12 (month )× loan period. Total monthly salary = monthly contribution of provident fund/(ratio of unit contribution to individual contribution);
2. The calculation formula of provident fund loan based on house price is: loan amount = house price × loan ratio. Among them, the loan proportion is determined according to different types. Generally speaking, if the building area exceeds 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchase price.
3. According to the higher loan amount, if I use my housing provident fund to apply for a loan provident fund loan and meet the application conditions, the higher loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan and the loan application conditions are met, the higher loan limit is 700,000 yuan.
4. The calculation formula of the provident fund loan based on the balance of the provident fund account is: the amount of the provident fund loan = the borrower and the borrower's provident fund account balance ×20.
What is the interest rate of the provident fund?
Interest rate of provident fund: the interest rate of housing provident fund loans for more than five years is 4.50%, the monthly interest rate is 4.50%/ 12, and the interest rate of housing provident fund loans for less than five years is 4.0% per year, which is consistent throughout the country.
The housing provident fund loan interest rate shall be implemented in accordance with the relevant provisions of the state. If the loan term is within 1 year, the contract interest rate shall be implemented. If the statutory interest rate is adjusted, the interest shall not be calculated in installments. If the loan term exceeds 65,438+0 years, in case of legal interest rate adjustment, the new interest rate will be implemented at the beginning of next year according to the corresponding interest rate grade.
Matters needing attention in housing provident fund loan
According to the relevant regulations, the center has imposed a time limit for applying for housing provident fund loans for different properties. For the purchase of second-hand houses, the application time is within 1 month after handling the property ownership certificate; For the purchase of commercial housing, the application time should be before the developer issues a formal house purchase invoice to the purchaser; If you want to withdraw the original provident fund, you must apply within three months after buying a house.
What is the interest rate of 20 14 provident fund loan?
20 13 The expected annualized interest rate of provident fund loans for the whole year has not been adjusted. The expected annualized interest rate of the existing provident fund loans in 20 14 years is 4% within 5 years (inclusive). The expected annualized interest rate of the first home loan for more than five years is based on the benchmark, and the expected annualized interest rate of the second home loan rises by 10%. The expected annualized interest rate of the loan will not change. If it is a new provident fund loan in 20 14 years, the expected annualized interest rate at the time of loan issuance shall prevail.
The expected annualized interest rate of provident fund loans within five years (inclusive) is 4%, the expected annualized interest rate of the first home loan over five years is based on the benchmark expected annualized interest rate, and the expected annualized interest rate of the second home loan rises by 10%.
Based on the expected annualized interest rate of the provident fund loan, the 500,000 yuan provident fund loan will be repaid with equal principal and interest for 20 years, with a monthly payment of RMB yuan and total interest of RMB yuan.
The introduction of the interest rate of 20 14 provident fund loans stops here.