At present, the annual interest rate of provident fund loans for more than five years is 3.25%. With the interest rate unchanged, the repayment method of equal principal and interest is adopted, and the monthly repayment amount is 1 134.39 yuan. The first month repayment amount 1375 yuan (for reference only), and the monthly repayment amount decreases month by month.
In some cities, China Merchants Bank has launched provident fund loans. Please call the customer service of China Merchants Bank, select 3 people's customer service -3-8, and enter the manual service to provide loan purposes and cities to try to understand the required information.
How much is the monthly housing provident fund loan of 200,000 yuan for 20 years?
The housing provident fund loan is 200,000 yuan, with a term of 20 years and an interest rate of 3.25%, which will be provided to 840 yuan every month.
What is the interest rate of housing provident fund loan?
The interest rate of China Bank's provident fund loan is subject to the relevant interest rates announced by the People's Bank of China, the Ministry of Housing and Urban-Rural Development and the Ministry of Finance. Please consult the local housing provident fund management center for specific interest rates.
The above contents are for your reference. Please refer to the actual business regulations.
How much is the monthly provident fund loan of 200 thousand for 20 years?
The loan is 200,000 yuan, which will be repaid in 20 years. The monthly payment is not fixed, because it depends on what kind of loan you choose. According to the current commercial loan, if you choose the repayment method of equal principal and interest, the amount to be repaid every month is 1308 yuan. The repayment method of average capital is adopted, and the repayment amount is about 836 yuan to 1650 yuan. There is also a form of loan that is more cost-effective. It is a provident fund loan. According to the repayment method of equal principal and interest, it is required to repay 1 134 yuan every month. According to the repayment method in the average capital, the monthly repayment is between 835 yuan and 1375 yuan.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
On August 17 and 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that the down payment for purchasing a second home with provident fund loans will be cancelled by 20% from September 15 and 1 day.
Loan terms:
1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.
2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.
3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.
4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.
5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.