A few days ago
The People's Bank of China announced that
decided to reduce the loan interest rate of the first personal housing provident fund
by 0.15 percentage points from October 1, 2022. And 3.1%
The loan interest rate policy of the second set of personal housing provident fund
remains unchanged
(screenshot of the "People's Bank of China" WeChat public account).
Regarding the implementation of the new policy in Yulin, the reporter learned from the Credit Section of the Yulin Housing Provident Fund Management Center. For the first set of personal housing provident fund loans that have not yet been issued, the adjusted interest rate shall be applied, that is, the loan period specified by the People's Bank of China shall be less than 5 years (including 5 years) and more than 5 years, and the provident fund loan interest rate shall be 2.6% respectively. and 3.1% perform.
For the first personal housing provident fund loan issued before October 1, 2022, according to the relevant provisions of the loan accounting rules of the Ministry of Housing and Urban-Rural Development's "Housing Provident Fund Personal Housing Loan Business Specification", it will still be implemented from October 1, 2022 to December 31, 2022. The original interest rate, the adjusted interest rate will be implemented from January 1, 2023. The loan interest rate policy for the second set of personal housing provident fund remains unchanged.
It is reported that this is another adjustment of the loan interest rate of the housing purchase fund in the past seven years since 2015. According to the personal provident fund loan of Yulin City, the maximum amount of the first commercial house purchased is 400,000 yuan, the longest loan period is 30 years, and the repayment method of the principal and interest of the same amount is calculated, and the interest rate is 3.1% (monthly repayment is 1708 yuan,) after , compared with the implementation at 3.25% (monthly repayment of 1740.82 yuan), the monthly monthly payment can be reduced by 32.82 yuan, and the total interest reduction for 30 years is about 11793 yuan.
Remarks: "Housing Provident Fund Personal Housing Loan Business Specifications" on loan accounting: During the repayment period of
, when the statutory loan interest rate is adjusted, the following rules shall be followed: 1. For loan terms within 1 year and within 1 year 2. If the loan term is more than 1 year, the new interest rate regulations shall be implemented according to the corresponding interest rate grades starting from January 1 of the next year, unless otherwise stipulated by the state . Written by
| Reporter Tang Jinmei
editor | Zhang Zonghai
editor in charge | Jiang Xihe
proofreading | Hu Zongmei
review |
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