Commercial loan (calculated at 5.65%): the monthly payment is 2886 18 yuan, the total repayment amount is10.039 million yuan, and the interest is 539,000 yuan.
The interest difference between the two is 255,600, which is enough for the down payment of real estate in some areas of Nanchang.
2. What's the interest rate of the second home loan purchased by Nanchang Provident Fund?
Ask the same question. . .
Third, Jiangxi housing provident fund loan interest rate
The loan interest rate of housing provident fund in Jiangxi province varies according to the loan term and loan amount.
1, loan term:
(1) If the loan term is 1 year or less, the interest rate will be charged according to the benchmark interest rate (4.9%);
(2) If the loan term is 1 to 5 years, the interest rate will rise by 0. 1 percentage point every year on the basis of the benchmark interest rate, with the maximum not exceeding 6.4%;
(3) If the loan term is 5 to 30 years, the interest rate will rise by 0. 15 percentage point every year on the basis of the benchmark interest rate, with the maximum not exceeding 7.4%.
2. Loan amount:
(1) If the loan amount is less than 500,000 yuan, the interest rate will be charged according to the benchmark interest rate;
(2) If the loan amount is between 500,000 yuan and 6,543.8+0,000 yuan (including 6,543.8+0,000 yuan), the interest rate will rise by 0. 1 percentage point every year on the basis of the benchmark interest rate, with a maximum of 7.4%;
(3) If the loan amount exceeds 6,543,800 yuan, the interest rate will rise by 0.2 percentage points annually on the basis of the benchmark interest rate, with the maximum not exceeding 8.4%.
The above is the stipulation of the loan interest rate of housing provident fund in Jiangxi Province, and the specific interest rate is subject to the actual implementation of the bank.
Four, Jiangxi provident fund loan policy 2022
Jiangxi provident fund loan policy 2022 such as
1, housing provident fund personal housing loans can only be used to pay employees' basic housing needs such as purchase, construction, renovation and overhaul. It is strictly forbidden to use housing provident fund personal rooms;
2. Retain the policy-based housing provident fund and personal housing loan for employees' families to use housing provident fund and personal housing loan to purchase the first set of ordinary self-occupied housing. If the house is purchased for the first time below 90 square meters, the down payment ratio of the loan shall not be less than 20% square meters, and the down payment ratio of the loan shall not be.
3. The second set of housing provident fund individual housing is limited to the existing per capita housing construction area is lower than the local average level, and the loan purpose is limited to the purchase of ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan is not less than 50%, and the interest rate of personal housing loan is 1. 1 times;
4. Stop employees' families from issuing housing accumulation funds and personal housing loans.
5, urban housing provident fund management to housing construction area and housing provident fund business loan demand as the principle, reasonably determine the degree of residence, and report to the provincial housing and urban construction supervision departments for the record;
6. Urban housing provident fund management centers and entrusted banks should take effective measures to strengthen the allocation and recovery of housing provident fund personal housing loans, effectively strengthen loan risk management, ensure the safety of funds to relevant competent departments, and establish an information sharing mechanism in time to prevent fraudulent loans. At the same time, it is necessary to simplify the procedures and improve the service level.
Legal basis: Article 15 of the Regulations on the Administration of Housing Provident Fund.
If the unit is working, it shall go to the housing provident fund management center for deposit registration, and handle the establishment or transfer of employee housing provident fund accounts with the housing provident fund to the entrusted bank.