From the analysis tool of big data magic mirror, for the buyers who use commercial loans, after the interest rate adjustment, if the interest rate is lowered according to the benchmark interest rate, the monthly payment will be reduced by 139.82 yuan, and the annual burden will be reduced by 1677.84 yuan.
For buyers who use housing provident fund loans, after interest rate adjustment, if the interest rate is lowered according to the housing provident fund loan 1 10,000 yuan, the repayment will be reduced by 127.64 yuan per month and the burden will be reduced by 153 1.68 yuan every year.
For buyers who use provident fund and commercial mixed loans, if the interest rate is adjusted and the interest rate is reduced according to the method of 500,000 provident fund and 20 years of commercial loans, the monthly payment will be reduced by 133.73 yuan and the annual burden will be reduced by 1604.76 yuan.
Extended data
Significance of RRR reduction
1, increase the liquidity of the market and make commercial banks have stronger credit capacity. After the reserve is lowered, the bank's funds are relatively more abundant, which is good for credit;
2. The liquidity of funds is relatively loose, which helps to lower the market interest rate. After the deposit reserve ratio is lowered, commercial banks can get about 654.38+0.5 billion yuan. After the cost is reduced, it will also help banks to provide lower financing costs and credit funds in the future.
superiority
1. The central bank has the initiative and is less affected by the outside world, which better reflects the policy intention of the central bank.
2. It has a rapid, powerful and extensive impact on the money supply.
3. It acts on all banks and deposit-taking financial institutions in a fair and consistent time and degree.
disadvantaged
1, the policy effect is too violent and inflexible, which is greatly affected by the excess reserve of banks in the banking system and cannot be used frequently.
2. It increases the instability of bank operation, and the policies and measures are irreversible to some extent.
Baidu encyclopedia -RRR restore
Baidu encyclopedia-central bank cuts interest rates