Li, the depositor, purchased the first suite and chose the repayment method of equal principal and interest to handle a provident fund housing loan with an amount of 800,000 yuan and a service life of 30 years. The original monthly payment was about 348 1 yuan; After the adjustment of the loan interest rate, the monthly payment decreased to about 34 16 yuan, and the total loan interest decreased by about 23,600 yuan.

● Implementation mode of loan interest rate adjustment

It is important to note that according to the relevant provisions of the Detailed Rules for the Management of Personal Housing Loan of Nanning Housing Provident Fund and the Entrusted Loan Contract of Personal Housing Provident Fund, the interest rate adjustment of this housing provident fund loan is implemented in the following three ways:

2. I borrowed RMB 654.38+0.2 million from CCB, with a term of 654.38+00 years. How much is the monthly payment for the first suite? What's the loan interest rate?

The bank loan interest rate is comprehensively evaluated 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). If all aspects are evaluated well, the first suite is generally calculated at a 15% discount. After adjustment on February 26, 65438, the interest rate for more than five years is 6.40%, and the monthly interest rate is 6.40% 0.85/6544.

Monthly repayment amount12000010 (120 months):

1200006.40% 0.85/ 12 ( 16.40% 0.85/ 12) 120/[( 16.40% 0.85/65438)

Description: 120 is the power of 120.

3. What is the deposit interest rate of Nanning Provident Fund?

First, the maximum loan limit of Nanning Provident Fund is 600,000. For unmarried single employees who have paid the housing accumulation fund 1.500 yuan or above every month, the maximum loan amount will be relaxed to 500,000 yuan; (2) If both husband and wife deposit housing provident fund in the center, and the sum of their monthly housing provident fund deposits exceeds 2,000 yuan (inclusive), the maximum loan amount will be relaxed to 600,000 yuan. 2. Nanning housing provident fund loan interest rate The annual interest rate of loans for less than five years is 4.00%, and the annual interest rate of loans for more than five years is 4.50%.

Fourth, the interest rate of the first home loan in Nanning in recent ten years

The interest rate of the first home loan in Nanning in recent ten years: the monthly interest rate of the loan is about 5%.