20 15,101October 24th to adjust the interest rate for the implementation of provident fund loans. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the interest rate of provident fund loans for five years and below is 2.75% annualized, which is consistent throughout the country.
Commercial loans:
(1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, they float up or down on this basis. The current benchmark interest rate was adjusted and implemented on July 6, 2002. Types and annual interest rates are as follows: ① Short-term loans with a term of 6 months (inclusive) of 5.6%; ② 6% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.15%; ④ 6.4% for three to five years (inclusive); ⑤ More than five years, 6.55%.
(2) Mortgage is a comprehensive evaluation of the bank loan interest rate according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the loan interest rate of the first suite in some banks is1.40006.000000000085
Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In early April, the bank began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be as high as 15%. The interest rate after 15% discount for five years and above is 6.55%*0.85=5.5675%, which has been tightening since the third quarter and the beginning of 20 13 due to the shortage of funds and credit funds. The interest rate of the first suite is generally between the benchmark interest rate and the 15% discount.
20 15 the central bank lowered the benchmark loan interest rate. The following will introduce the calculation method of provident fund loans for everyone.
The calculation of provident fund loan should be determined according to four conditions: repayment ability, percentage of house price, balance of housing provident fund account and maximum loan amount, in which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.
1. The calculation formula of provident fund loan based on repayment ability is: loan amount = [(total monthly salary of the borrower or husband and wife+monthly deposit of housing provident fund of the unit where the borrower or husband and wife work) × repayment ability coefficient 40%- monthly repayment amount of existing loans of the borrower or husband and wife ]×12 (month )× loan period. The total monthly salary = the monthly contribution of provident fund/(unit contribution ratio+individual contribution ratio);
2. The calculation formula of provident fund loan based on house price is: loan amount = house price × loan ratio. Among them, the loan proportion is determined according to different types. Generally speaking, if the building area exceeds 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchase price.
3. According to the maximum loan amount, if I use my housing provident fund to apply for a loan provident fund loan and meet the application conditions, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a loan and the loan application conditions are met, the maximum loan amount is 700,000 yuan.
4. The calculation formula of the provident fund loan based on the balance of the provident fund account is: the amount of the provident fund loan = the borrower and the borrower's provident fund account balance ×20.