1. Wuxi provident fund deposit and loan interest rate is lowered to 4% for more than 5 years. On March 2nd, the website of Wuxi Provident Fund Management Center updated the adjusted interest rate of provident fund loans. Among them, the interest rate of provident fund loans for more than five years is 4.00%; 5 years (inclusive) is 3.50%. According to the remarks of the Provident Fund Management Center, the interest rate of housing provident fund loans will be implemented from March 20 15/day. If the relevant state departments adjust the interest rate, they will make corresponding adjustments.

2. Subsequently, the editor calls relevant persons, and the provident fund loans issued after March this year 1 (inclusive) shall be implemented in accordance with the provisions of this notice; The outstanding provident fund loans issued before shall be implemented from 20 16 1. Based on a property with a total price of 500,000 yuan, the down payment is 6.5438+0.5 million yuan and the loan is 350,000 yuan. Before the adjustment, calculated at the interest rate of 4.25% for more than five years, the monthly repayment amount of the loan is 2 167.32 yuan for 20 years and 172 1.79 yuan for 30 years.

1. The latest mortgage policy in Wuxi is: for families (including borrowers, spouses and minor children, the same below) who purchase the first self-occupied house with a construction area of over 90 square meters, the down payment ratio of the loan shall not be less than 30%; For families who purchase a second home by loan, the down payment ratio of the loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and interest rate should be greatly increased, which are actually determined by commercial banks independently according to the principle of risk management.

2. According to the interest rate of consumer loans, although the interest rate of decoration loans is not as cost-effective as the best interest rate of housing mortgage loans, the interest rate advantage is more obvious than the floating interest rate of second homes 10%. Commercial banks such as China Construction Bank, China Merchants Bank, China Everbright Bank and Industrial Bank all have renovation loans. In order to seize more markets in the off-season, many decoration companies cooperate with banks to launch "zero interest and zero handling fee" installment payment business, which has simple procedures and flexible installment, and the longest installment can reach 24 months, saving interest and handling fee and bringing tangible benefits to property buyers.