On September 30th, the People's Bank of China announced that the interest rate of the first individual housing provident fund loan will be lowered by 0. 15 percentage point from June, 2022, and the interest rates for less than five years (including five years) and more than five years will be adjusted to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.
Can the interest rate of stock provident fund loan be reduced? This is a common concern of the public. The reporter learned from Taiyuan Provident Fund Center that the loan interest rate of the stock provident fund will also be adjusted according to the new interest rate. Under normal circumstances, the interest rate of individual housing loan of stock housing provident fund is adjusted from 1+0 in the following year. If the housing provident fund personal housing loan applied by the borrower is issued on August 25th, 2022, and the central bank reduces the annual interest rate of the loan from 3.25% to 3. 1% on June 20th, 2022, the annual interest rate of the borrower from the date of loan issuance to the end of 2022 will be 3.25%, starting from June 65438+2023.
According to the latest interest rate of provident fund loans, if the husband and wife apply for the maximum amount of provident fund loans of 800,000 yuan, loan for 30 years, equal repayment of principal and interest, and implement the interest rate of 3. 1%, the monthly payment of provident fund loans can be reduced by 65.5 yuan, and the accumulated monthly payment for 30 years can be reduced by 23,500 yuan.
According to industry analysis, recently, mortgage interest rate has become the focus of market attention. Reducing the mortgage interest rate, including the interest rate of the first personal housing provident fund loan, has grasped the key point of "stabilizing real estate" and is conducive to improving the confidence of the real estate market with the assistance of financial policies.