Interest rate of provident fund loans announced by the central bank:

Less than five years (inclusive) 2.75%

More than five years, 3.25%

Wuhan provident fund loan interest rate

The annual interest rate of the first individual housing provident fund loan is 2.75%; The annual interest rate of the first set of personal housing provident fund loans for more than five years is 3.25%; The annual interest rate of two sets of personal housing provident fund loans is 1. 1 times the interest rate of the first set of provident fund loans in the same period.

1. Interest rate refers to the ratio of interest amount to borrowed funds (principal) in a certain period. Interest rate is the main factor that determines the capital cost of enterprises, and it is also the decisive factor for enterprises to raise funds and invest. To study the financial environment, we must pay attention to the current situation and changing trend of interest rates.

Second, the interest rate refers to the ratio of the interest amount due in each period to the par value of the borrowed, deposited or borrowed amount (called the total principal). The total interest of the lent or borrowed amount depends on the total principal, interest rate, compound interest frequency and the length of time of lending, deposit or borrowing. Interest rate is the price that the borrower needs to pay for the money borrowed, and it is also the return that the lender gets by delaying his own consumption and lending it to the borrower. The interest rate is usually calculated by the percentage of one-year interest to the principal.

Third, in the modern economy, interest rate, as the price of capital, is not only restricted by many factors in the economic society, but also the change of interest rate has a great influence on the whole economy. Therefore, modern economists pay special attention to the relationship between various variables and the balance of the whole economy when studying the decision of interest rate. Interest rate determination theory has also experienced the evolution and development of classical interest rate theory, Keynesian interest rate theory, loanable funds interest rate theory, IS-LM interest rate analysis and contemporary dynamic interest rate model.

Fourth, Keynes believed that savings and investment are two interdependent variables, not two independent variables. In his theory, the money supply is controlled by the central bank and is an exogenous variable without interest rate elasticity. At this time, the demand for money depends on people's psychological "liquidity preference"

Fifth, loanable funds's interest rate theory is the interest rate theory of neoclassical school, which was put forward to revise Keynes's "liquidity preference" interest rate theory. To some extent, loanable funds's interest rate theory can actually be regarded as the synthesis of classical interest rate theory and Keynesian theory.

Wuhan provident fund loan amount

Not higher than the comprehensive loan amount. Loan amount (balance of borrower's provident fund deposit and spouse's provident fund deposit) ×20 times× deposit time coefficient. Provident fund deposit account must be a normal deposit account. Not higher than the loan amount determined by repayment ability. Loan amount (sum of the borrower's monthly provident fund contributions/unit and individual ratio, sum of the spouse's monthly provident fund contributions/unit and individual ratio) ×45%× 12 months× loan period.

1. Calculation formula of Wuhan provident fund loan amount:

1, not higher than the loan amount comprehensively determined according to the deposit time and deposit balance of the provident fund.

Loan amount = (the difference between the borrower's provident fund deposit and the spouse's provident fund deposit) ×20 times× deposit time coefficient. Provident fund deposit account must be a normal deposit account.

loan rate

The current housing provident fund loan period is 1-5 years, with an annual interest rate of 2.75%, and the loan period is 6-30 years, with an annual interest rate of 3.25%; The interest rate of the second application for provident fund loan is 1. 1 times the interest rate of provident fund loan in the same period.

If the interest rate is adjusted by the state during the loan period, the interest rate will not be adjusted in the year when the provident fund loan has been issued, and the specific adjustment time is 1 month 1 next year.

How much is the interest of Wuhan foreign provident fund loan?

The term of the housing provident fund loan is within five years (including five years), the annual interest rate of the first set of individual housing provident fund loans is 2.75%, the annual interest rate of the first set of individual housing provident fund loans for more than five years is 3.25%, and the annual interest rate of the second set of individual housing provident fund loans is 1. 1 times the interest rate of the first set of provident fund loans in the same period.

The premise of using provident fund in different places.

First, buyers have Wuhan hukou.

Second, the off-site provident fund account has been continuously paid in full for 6 months or more.

Third, families, including couples and minor children, use provident fund loans less than twice. Employees who deposit in different places apply for provident fund loans in this city.

The conditions for buying a house in Wuhan are that you have a household registration in Wuhan, no house and no loan in Wuhan, and you can buy a house in a restricted area. The down payment ratio is not less than 30%.

The second suite, the house in Wu Hanyou 1, will be bought in the restricted area 1 suite. The down payment ratio of the second suite is not less than 50%, and the down payment ratio of the purchase of non-ordinary housing is not less than 70%. It should be noted that this means that the area of the second suite exceeds 144 square meters, and the down payment is not less than 70%. However, there is no loan for the first suite, and the purchase of second-hand houses can be calculated according to the interest rate of the first suite. There is no house in Wuhan, and there are outstanding housing loans nationwide. Generally, the minimum down payment is 40%. The mortgage here refers to the mortgage loan, and other loans are not included in the assessment.

More than two suites: if you own two or more houses in Wuhan, you can't buy a house in the restricted area. The down payment for apartments and shops is 50%, and only commercial loans can be made. The longest loan period is 10 year. To buy a house in Wuhan collective account, the ID address must be the same as the household registration address. In the unlimited purchase area, in theory, the minimum down payment for the first suite is 20%, and the minimum down payment for the second suite is 30%. However, the rule of recognizing the first suite and the second suite is to recognize the loan but not the house, that is to say, as long as the loan is fully paid off, the first suite is counted.

How much can Wuhan get from the monthly provident fund of 450?

Hello, according to your question, Wuhan monthly provident fund loan 450 yuan is as follows:

1. mortgage loan: according to your provident fund deposit, you can apply for mortgage loan. The maximum loanable amount is 3 times of the total provident fund deposit, and the minimum loanable amount is 65438+ 0.5 times of the total provident fund deposit. So the maximum amount of your monthly provident fund loan of 450 yuan is 1350 yuan, and the minimum amount is 675 yuan.

2. Provident fund loan: You can apply for provident fund loan, the maximum loan amount is 3 times of the total amount of provident fund deposit, and the minimum loan amount is 65438+ 0.5 times of the total amount of provident fund deposit. So the maximum amount of your monthly provident fund loan of 450 yuan is 1350 yuan, and the minimum amount is 675 yuan.

In short, the maximum amount of your monthly provident fund loan of 450 yuan is 1350 yuan, and the minimum amount is 675 yuan.

Wuhan: The interest rate of the first home provident fund loan is lowered by 0. 15 percentage point.

On June 65438+1October 1 1, Wuhan issued a notice on adjusting the interest rate of the first home provident fund loan.

According to the regulations of the People's Bank of China on lowering the interest rate of the first set of personal housing provident fund loans, the interest rate of the first set of personal housing provident fund loans will be lowered by 0. 15 percentage points in 2022, and the interest rate of the first set of personal housing provident fund loans for less than five years (including five years) will be adjusted from 2.75% to 2.6%, and the interest rate of the second set of personal housing provident fund loans will be adjusted from 3.25% for more than five years.

After June 65438+1October 65438+ 10 (inclusive) in 2022, the interest rate of the first individual housing provident fund loan is adjusted.

For the first set of unexpired individual housing provident fund loans issued before June 65438+1 October 1 in 2022, the interest rate of the second set of individual housing provident fund loans will remain unchanged from June 65438+1October/in 2023.

It is also known that on the evening of September 29, the central bank and the China Banking Regulatory Commission issued a notice that before the end of 2022, in cities where the price of new houses continued to decline from June to August, local governments could decide to maintain, lower or cancel the lower limit of the first home loan interest rate. Previously, the interest rate of the first home loan implemented in various places was 5-year LPR(4.3%)-20bp, that is, the lower limits of interest rates for less than 5 years and more than 5 years were 4. 1% and 4.9% respectively.

According to the calculation of the housing price index of 70 large and medium-sized cities by the Bureau of Statistics, 23 cities meet the requirements of the New Deal, including 8 second-tier cities and 15 third-tier cities. In addition to 70 large and medium-sized cities, there are still many third-and fourth-tier cities where house prices continue to decline, which is in line with the requirements of the New Deal.

On June 7th, 10, a property consultant in Wuhan advertised in a circle of friends that "the interest rate of the first home loan in Wuhan started to be implemented at 3.9%". Many banks in Wuhan also revealed that the interest rate of the first home loan has dropped to 3.9%.

This is the end of the introduction of Wuhan provident fund loan interest rate and provident fund loan interest rate. I wonder if you found the information you need from it?