The People's Bank of China has decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions from August 26th, 20 15, so as to further reduce the financing costs of enterprises. Among them, the benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 4.6%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.75%; The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly. At the same time, the floating upper limit of interest rates for time deposits of more than one year (excluding one year) will be liberalized, while the floating upper limit of interest rates for demand deposits and time deposits of less than one year will remain unchanged.

Reducing RRR is one of the monetary policies of the central bank. Lowering the deposit reserve ratio means releasing the liquidity of money, which means that banks can lend more money. At the same time, the repayment pressure of buyers has dropped again.

If the buyer applies for a commercial loan, according to the calculation of SouFun's mortgage calculator, if the repayment method is equal principal and interest, the total loan will be 6,543.8+0,000 yuan, and the monthly payment for 20 years will be 6,682.7 yuan/month, which will save 654.38+0,39.82 yuan /m2. Loan for 30 years, monthly payment of 5460.26 yuan/month, mortgage 1 10,000 yuan, saving 155.05 yuan per month!

If the property buyer uses the provident fund loan, the loan is 6,543.8+0,000 yuan, and the monthly loan for 30 years needs to be 4,352.06 yuan, saving 654.38+0.38 yuan per month!

(The above answers were published on 20 15-08-25. Please refer to the actual situation for the current purchase policy. )

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