From June 28th, 2005 to June 28th, 2065438, the deposit interest rate of individual housing provident fund collected in that year was 0.35%, and the deposit interest rate of individual housing provident fund carried over from the previous year was lowered by 0.25 percentage point, from 1.85% to 1.6%.
legal ground
Article 1 of the Notice of the Ministry of Housing and Urban-Rural Development on Adjusting the Deposit and Loan Interest Rate of Housing Provident Fund in accordance with the provisions of the People's Bank of China.
2065438+From June 28th, 2005, the deposit interest rate of individual housing provident fund will be lowered. Among them, the deposit interest rate of individual housing provident fund collected in that year remained unchanged at 0.35%; The interest rate of individual housing provident fund deposits carried forward from the previous year was lowered by 0.25 percentage points, from 1.85% to 1.6%.
second
2065438+From June 28th, 2005, the interest rate of individual housing provident fund loans will be lowered. The interest rate of individual housing provident fund loans for more than five years was lowered by 0.25 percentage points, from 3.75% to 3.5%. The interest rate of individual housing provident fund loans for five years or less was lowered by 0.25 percentage points, from 3.25% to 3%.
essay
From June 28th, 2005 to June 28th, 2065438, the interest rate of housing provident fund loans to support the construction of affordable housing will be increased by 10% according to the adjusted interest rate of individual housing provident fund loans for more than five years.
20 15 loan interest rate table
During 20 15, the People's Bank of China frequently adjusted the interest rate of individual (RMB) loans:
1.20 15, 1, 1 until February 28th, the benchmark annual interest rate of the loan announced by the People's Bank of China is as follows: 5.6% within 6 months (inclusive); 6 months to 1 year (including 1 year) 5.6%; 1-3 years (including 3 years) 6%; 3-5 years (including 5 years) 6%; More than 5 years, 6.15%;
Two. From March 1 day to May 15, the benchmark annual interest rate of loans announced by the People's Bank of China is as follows: 5.35% within 6 months (inclusive); 6 months to 1 year (including 1 year) 5.35%; 1-3 years (including 3 years) 5.75%; 3-5 years (including 5 years) 5.75%; 5.9% for more than 5 years;
Three. From May 20 1 1 year to June 27, 20 15, the benchmark annual interest rate of the loan announced by the People's Bank of China is as follows: 5.1%within 6 months (inclusive); 6 months to 1 year (inclusive) 5. 1%; 1-3 years (including 3 years) 5.5%; 3-5 years (including 5 years) 5.5%; 5.65% for more than 5 years;
Four. From June 28th, 2065438 to August 25th, 2005, the benchmark annual interest rate of loans announced by the People's Bank of China was as follows: 4.85% within 6 months (inclusive); 6 months to 1 year (including 1 year) 4.85%; 1-3 years (including 3 years) 5.25%; 3-5 years (including 5 years) 5.25%; 5.4% for more than 5 years;
5.20 15 From 26 August to 20 15123 October, the benchmark annual interest rate of loans announced by the People's Bank of China is as follows: 4.6% within 6 months (inclusive); 6 months to 1 year (including 1 year) 4.6%; 1-3 years (including 3 years) 5%; 3-5 years (including 5 years) 5%; More than 5 years, 5.15%;
Intransitive verbs 20 15 to1October 24-12 to 31February, the benchmark annual interest rate of the loan announced by the People's Bank of China is as follows: 4.35% within 6 months (inclusive); 6 months to 1 year (including 1 year) 4.35%; 1-3 years (including 3 years) 4.75%; 3-5 years (including 5 years) 4.75%; More than 5 years, 4.9%.
What is the mortgage interest rate in June 2065438+2005?
The interest rate cut on June 28th is the fourth time since last year165438+1October 22nd. In order to further support the development of the real economy and promote structural adjustment, the People's Bank of China decided to reduce the deposit reserve ratio of financial institutions from June 28th, 1965. According to the analysis of more experts, this targeted reduction of the deposit reserve ratio is more to cope with the stock market crash in the past two months and apologize to shareholders, and further maintain the stable and healthy development of the real estate market, so as to achieve the purpose of maintaining the stable growth of the national economy.
The following table is the mortgage interest rate table over the years, showing the change of the benchmark loan interest rate from 199 1 to 201June 28th, 5. The latest loan interest rate table shows the current bank housing benchmark interest rate and individual housing provident fund loan interest rate.
Annual mortgage interest rate table (as of 2065438+June 28, 2005)
On the evening of June 27th, 20 15, the central bank announced that the benchmark interest rate for one-year RMB loans of financial institutions would be lowered by 0.25 percentage point to 4.85% from June 28th, 20 15. The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2%. The benchmark interest rates for loans and deposits of other grades and the deposit and loan interest rates for individual housing provident fund shall be adjusted accordingly.
As can be seen from the following loan interest rate table of the People's Bank of China over the years, the interest rate cut last year165438+1October 22nd was the first time after a lapse of two years. Moreover, the current 5.4% commercial mortgage is the lowest in 24 years.
List of changes in mortgage benchmark interest rate 199 1, updated to June 28th, 2065438 +05:
Matters needing attention in buying a house with a loan:
1. When applying for a loan, the borrower makes a correct judgment on his repayment ability. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.
2. Choose the appropriate repayment method. There are two repayment methods: matching principal and interest and average capital. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.
3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.
4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.
The loan interest rate table of the People's Bank of China over the years shows the change of the benchmark loan interest rate from 199 1 to 201June 28th, 5, from which it can be seen that the interest rate cut by the central bank has reduced the mortgage interest rate to the lowest point in 25 years. The latest deposit and loan interest rate table shows the current benchmark bank deposit interest rate, commercial loan interest rate and personal housing provident fund loan interest rate.
Since the beginning of 20 15, various control policies from the central government to the local government have been introduced continuously, and the central bank has also cut interest rates continuously, and the prospect of the real estate market has gradually become clear, and the "house slaves" have also been given preferential treatment with the interest rate reduction policy. Although the interest rate has been cut, the mortgage slave's repayment interest is less, but it is still common to see the mortgage slave posting complaints. Since they bought a house, they have been overwhelmed by the mortgage, thinking that they owe money to the bank when they wake up in the morning, which not only greatly reduces their living standards materially, but also suffers greatly mentally and psychologically.
It can be seen that mortgage is the biggest expenditure of most families who buy houses at present, and every move of mortgage policy affects everyone's nerves; Although the mortgage is bitter, how to handle it is very particular. Mastering mortgage skills can often save you 65,438+00 years.
1. installment repayment is suitable for young people.
Because young people and college students have just joined the work and are short of funds, this repayment method allows customers to have a grace period of 3-5 years, and they only need a few hundred yuan each month to start repayment. Five years later, with the increase of income and the consolidation of economic foundation, repayment will also increase into a normal repayment method.
2. The repayment method of average capital is suitable for high-income people.
With equal principal repayment, the borrower can gradually reduce the burden with the increase of repayment period. This repayment method is to allocate the principal to each month and pay off the interest between the previous repayment date and the current repayment date.
Under the same conditions, the total interest paid by this repayment method is less than the equal principal and interest, and the repayment burden will be gradually reduced with the passage of time. However, because the interest is decreasing, the monthly payment in previous years will be higher than the equal principal and interest, which is very stressful, so this repayment method is more suitable for people with high income and low repayment pressure.
3. Equal principal and interest repayment method is suitable for people with stable income.
Matching the principal and interest is to add up the total principal and interest of the mortgage loan and then share it equally every month during the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month. For families with stable income and economic conditions that do not allow excessive investment in the early stage, this method can be chosen.
4. One-time repayment of principal and interest is suitable for people engaged in business activities or short-term loans.
One-time repayment of principal and interest refers to the repayment method of repaying all the loan interest and principal at one time on the loan maturity date. For small enterprises or individual operators, it can reduce the repayment pressure.
5. Re-mortgage
Re-mortgage means that the new loan bank helps customers find a guarantee company, pays off the money of the original loan bank, and then reapplies for a loan at the new loan bank. If your current bank can't give you a 30% discount on mortgage interest, you can completely jump ship and find the most affordable bank. Because of the fierce competition, some banks are willing to help you.
6. Adjust the interest rate every month
If the current trend is to cut interest rates, then it is cost-effective for citizens to quickly switch to floating interest rates if they choose fixed mortgage interest rates. However, changing from "fixed" to "floating" requires a certain penalty.
7. Biweekly interest savings
Biweekly repayment shortens the repayment period and is higher than the original monthly repayment frequency. In this way, the principal of the loan decreases faster, which means that the loan interest returned during the whole repayment period will be far less than the loan interest returned at the time of monthly repayment, and the principal decreases faster.
Therefore, the repayment period is shortened and the total expenditure of the borrower is saved. For people with stable jobs and incomes, it is more appropriate to choose biweekly payment.
8. Repay the loan in advance and shorten the term.
Settle accounts before repaying the loan in advance, because not all prepayment can save money. For example, if the repayment period is over half and the principal in the monthly repayment amount is greater than the interest, then the significance of early repayment is not great. In addition, after some loans are repaid in advance, the remaining borrowers should choose to shorten the loan period instead of reducing the monthly repayment amount.
Because the interest charged by banks is mainly calculated according to the time cost occupied by the loan amount, shortening the loan period can effectively reduce interest expenses. If the loan term is shortened, it can be classified into a term grade with lower interest rate, and the effect of saving interest will be more obvious. Moreover, in the process of interest rate reduction, the interest rate of short-term loans tends to fall even more.
9. Transfer provident fund to repay loans
When applying for a portfolio loan to buy a house, on the one hand, make full use of provident fund loans, extend the loan period as much as possible, and minimize the monthly repayment of provident fund while enjoying the benefits of low interest rates; Try to shorten the life of commercial loans and increase the monthly repayment amount of commercial loans as much as possible within the family's economic affordability.
In this way, the monthly contribution structure will show a state of less provident fund share and more business share. After the provident fund account is used to offset the monthly payment of the provident fund, the balance can be used to offset commercial loans, thus saving considerable interest.
In the face of high housing prices, most people choose loans to buy a house, but the loan interest that comes with it is also painful. If conditions permit, many people will consider prepayment to reduce interest, but you can't pay it back if you want. Where is the bank penalty? Let's take a look at the algorithms of liquidated damages of various banks now to help you see if this account is cost-effective.
1. China Merchants Bank
If the prepayment is less than one year, the interest shall be charged for not less than three months, and if the prepayment is over one year, the interest shall be charged for not less than one month.
2. China Construction Bank
If the prepayment is less than one year, 3% of the prepayment amount will be charged. If the loan is repaid in advance for one to two years, 2% of the prepayment amount will be charged. The loan is repaid in advance for two to three years, and one percent of the prepayment amount is charged.
3. Agricultural Bank of China
If the prepayment is less than one year, it will be charged according to the principal multiplied by the monthly interest rate, that is, the loan interest rate divided by 12 months minus the repayment months. Repay the loan in advance after one year, as long as there is no record of prepayment before, there will be no penalty. If the repayment has been made in advance, the applicant will not be fined if he applies again one year later.
4. Industrial and Commercial Bank of China
If the prepayment is less than one year, 5% of the prepayment amount will be charged as liquidated damages. If the loan is repaid in advance after one year, no penalty will be charged.
5. Bank of China
If the prepayment is less than one year, a penalty interest of no more than six months will be charged (calculated according to the loan interest rate on the prepayment date). If the loan is repaid in advance after one year, no penalty will be charged.
2065438+loan interest rate on June 24, 2005
5.40%。 The loan interest rate refers to the ratio of interest amount to principal amount during the loan period. According to public data, the loan interest rate on June 24, 2005+2065438 was 5.40%. The interest rate in China is managed by the People's Bank of China, and the interest rate determined by the People's Bank of China is implemented after being approved by the State Council.
What is the interest rate of 20 15 bank loan?
The loan interest rate for one year to three years (including three years) is 4.75%, and the loan interest rate for more than five years is 4.9%.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development.
This is the end of the introduction of the sum of loan interest rates from 2065438 to June 2005. I wonder if you have found the information you need?