Hello, the annual interest rate of provident fund loans is 4.5%, which is much lower than that of commercial loans. Borrow 200,000 yuan for 20 years 1265.30. Take the loan for 20 years as an example. The shorter the loan time, the more the monthly payment. The longer the loan time, the shorter the monthly payment. I hope I can give you some reference.

Second, why is the proportion of Nanjing provident fund only 7%?

First of all, the deposit ratio of Nanjing Provident Fund is 5- 12%, which is normal and reasonable. If the enterprise chooses to pay 7%, it is normal and there is no problem. The provident fund is jointly paid by the unit and the individual, and all contributions are included in the personal account, which is deducted before the salary tax, which means that the provident fund paid by oneself does not need to be taxed. Therefore, there are many advantages to paying the provident fund. The interest rate of housing provident fund loans is very low, only 3.85% for more than five years. If you pay one yourself, the company will pay you one without paying taxes. Therefore, those who can pay the provident fund must pay it, which is a very good welfare.

3. The minimum interest rate of individual housing provident fund loans in Nanjing is lowered to 2.6%. How strong is this concession?

It's very big. At present, most of the first suites of Nanjing prime Bank are 4. 1%, which is directly lower than the 4. 156% after 30% off the mortgage in 2009, the lowest level in 20 years!

4. Does anyone know what the interest rate of housing provident fund loan in Nanjing is?

The benchmark annual interest rate of individual housing provident fund loans of ABC is as follows:

5 years (inclusive) below 2.75%

five years

It depends on whether the loan bank will go up.