New transaction details
Provident fund loan
Conditional relaxation
It should be reminded that according to the latest regulations of Shenyang Housing Provident Fund Management Center, the conditions of provident fund loans have been relaxed.
The loan ceiling has been raised. The upper limit of the loan amount for the payer of housing provident fund to pay the provident fund in full unilaterally is raised from 6,543,800+0.5 million yuan to 200,000 yuan; The upper limit of the loan amount for both parties to pay the provident fund in full is raised from 250,000 yuan to 400,000 yuan.
The loan period has increased. The longest term of the commercial housing provident fund loan is 30 years.
The longest term of the second-hand housing provident fund loan is 20 years (the age of the second-hand housing is not more than 25 years).
The loan age is relaxed. For employees who have reached the age of 50 for men and 45 for women, have continuously paid the provident fund for more than 3 years (including 3 years), and have continuously paid the provident fund in full, and applied for provident fund loans for the first time, the loan age limit is adjusted from 60 for men and 55 for women to 65 for men and 60 for women.
The minimum down payment ratio of commercial housing decreased. The minimum down payment ratio is adjusted from not less than 30% of the total purchase price to not less than 20% of the total purchase price. In the actual acceptance of housing provident fund loan applications, but also to the loan applicant and the applicant's repayment ability, provident fund withdrawal records, credit records, housing construction, guarantee support and other risk factors to be approved, to determine the down payment ratio and loan ratio.
Our reporter Sun Mingxin
In the new year, a new loan repayment rate will be implemented.
The interest rate of provident fund loans has dropped several times, but Mr. Liu found that his monthly repayment amount was the same as at the beginning of the year, no less. According to the staff of Shenyang Housing Provident Fund Management Center, the interest rate adjustment of provident fund loans will be implemented in the following year. In other words, from June 5438+ 10 next year, the mortgage borrower can repay the loan at the lowered interest rate.
This year, the central bank lowered the interest rate of provident fund loans four times. The interest rate of loans with a term of less than five years (including five years) dropped from 4.77% at the beginning of the year to 3.5 1%, down by 1.26%, and the interest rate of loans with a term of more than five years dropped from 5.22% to 4.05%, down by1.
Liu Jian, a financial expert, calculated an account for the reporter: take the provident fund loan for 200,000 years as an example. According to the interest rate at the beginning of the year, the monthly repayment amount is 1, 344.34 yuan. If the interest rate remains unchanged, the principal and interest should be repaid at maturity, which is 32,264 yuan 1 yuan; After four interest rate cuts, the monthly repayment is 1, 2 17.24 yuan, and the less is 1, 27. 1 yuan. If you repay the loan at this interest rate, the less is about 30 thousand yuan.
Should I repay the loan in advance?
Pay back the loan in advance by raising interest rates and paying back the loan in advance by lowering interest rates? By the end of the year, many people are considering whether they should take advantage of low interest rates and repay all loans early next year.
Liu Jian, a financial expert, believes that the current interest rate is in a downward cycle, because the loan cost is low and the repayment pressure is small. For families who have some deposits on hand but have more future uses (such as children's further studies), they may not consider repaying loans in advance. However, for families with large deposits, no large consumption in recent three or four years and good investment channels, they can consider repaying the loan in advance, because there is still the risk of depreciation of the bank's money, so it is better to repay the loan in advance to reduce the future repayment pressure.
In addition, if you want to borrow money to buy a house and meet the conditions of provident fund loans, provident fund loans are still the first choice. At present, the interest rate of provident fund for more than five years is 4.05%, even lower than the benchmark interest rate of commercial mortgage.
Withdraw cash and repay the loan.
A few days ago, Shenyang Housing Provident Fund Management Center issued the Opinions on Issues Related to Withdrawing Housing Provident Fund, which clearly stipulated: "From June 5438+ 10/day, 2009, the approval of withdrawing housing provident fund in cash to repay housing provident fund loans (including housing provident fund loans in portfolio loans) will be stopped." Citizens who meet the conditions for withdrawing provident fund must pay close attention to handling it within the year if they want to withdraw provident fund.
Workers and their spouses who withdraw housing provident fund to repay commercial loans for self-occupied housing can still withdraw housing provident fund once a year from the regular balance during the repayment period, and the amount does not exceed the repayment amount of the current year.
On the premise of ensuring the repayment of housing provident fund loans, employees and spouses of portfolio loans can withdraw provident fund from the regular balance in cash once a year, and the amount does not exceed the annual repayment amount of the commercial loan part of portfolio loans.
The Opinions also clarify that the annual calculation for withdrawing housing provident fund to repay housing provident fund loans is from July 1 day to June 30 of the following year. Less than one year is calculated according to the actual number of months. The withdrawal amount is the repayment amount of the current year, that is, the annual repayment amount from July before the withdrawal date to June after the withdrawal date *** 12 months.
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