Housing Provident Fund mentioned 1.1 times times interest rate two months to increase the 172 yuan

Sina Real Estate News four issued "on the Standardization of Housing Provident Fund Personal Housing loan policy related issues Notice", the use of Provident Fund loans to buy the first suite, the construction area of 90 square meters (including) below, the first payment ratio of loans shall not be less than 20%; the construction area of the building in 90 square The proportion of the first loan payment shall not be less than 30%.　　The second Housing Provident Fund Personal housing Loan first payment ratio shall not be less than 50%, the loan interest rate must not be lower than the first Housing Provident Fund Housing loan interest rate of 1.1 times times.　　For the first time in years, the second set of interest rates, two suites loans more than 800,020 years interest 41,500, the monthly increase of 172 yuan, Provident Fund for the first time to improve demand. Beijing Central Plains that: the second Housing Provident Fund personal housing loans to the first payment ratio shall not be less than 50%, the loan interest rate must not be lower than the same period of the first Housing Provident Fund personal Housing Loan interest rate of 1.1 times times. Compared to the previous Provident Fund regardless of the first set of the second set, all the benchmark interest rate, the new deal for the first time mentioned Provident Fund differential treatment of first suite and improve the demand for the loan rate.　　The 4.455 interest rate is 0.8% lower than the current commercial loan first suite loan rate. From this policy we can see the most recent financial regulation of the main landing point: first: Control of improved demand in the market, commercial loans to reduce the discount to 85 percent, down payment to 30%.　　And the Provident Fund also raised interest rates, 90 square meters above the down payment of 30%, these policies for the banks to reduce financial risk, but also make a lot of rigid first suite demand slowdown in the market, for regulation to buy time.　　Second: Tightening the demand for sex, the second suite of interest rates are 1.1 times times the benchmark rate, the first tightening of the Provident Fund, so that the improvement of demand also increased costs, will inevitably reduce the transaction. Third: To prevent speculation, the new policy to clear the national limits of the third suite of loans.　　This not only embodies the Housing Provident Fund system Mutual aid and fairness, but also reflects the differential housing credit policy.　　The second suite is limited to the existing per capita housing floor area below the local average level of paid into the family, and the loan is limited to purchase to improve the living conditions of ordinary home. Beijing Zhongyuan Analysis: The New Deal for the first time explicitly mentions the standard of the second suite, will make some use of Provident Fund Second suite policy loopholes or investment of home buyers, can not buy a house. Compared to the previous request, the new deal tightened up the use of Provident Fund housing speculators loopholes.　　Stricter than before. Housing Provident Fund Personal housing loans can only be used to pay workers to buy, build, renovated, overhaul ordinary home, strictly prohibit the use of Housing Provident Fund personal housing loans for speculative purchase.　　Housing Provident Fund Management Committee in accordance with the actual, in order to support the payment of workers to buy ordinary housing loan requirements as the principle of reasonable determination of personal loans for Housing Provident Fund maximum amount. Beijing Zhongyuan Analysis: The New Deal strictly the use of Provident Fund, it is expected to introduce detailed rules to limit the use of provident funds. But because of the close cancellation of commercial loan concessions, it is expected that a large number of first-suite buyers will choose to use the Provident Fund. and the same secondSuite Choice Provident Fund loans, loans 20-year interest rate difference of 249871 yuan, and the same first suite loan 800,020-year Provident fund can pay less interest: 122016 yuan. Provident Fund loans should still be the first choice for homebuyers. Housing Provident Fund mentioned 1.1 times times interest rate two months to increase the 172 yuan