Interest rate hike 30-year million Provident Fund loan month will increase by 118 yuan

BEIJING, February 9 (reporter Li Xiuling) housing and Urban and rural construction department issued a notice today, decided to raise personal housing Provident fund deposit and loan interest rates.　　The accumulation of Personal Housing Provident Fund deposit rate increased by 0.04%, from 0.36% to 0.4%, the Personal Housing Provident Fund deposit interest rate increased by 0.35%, from 2.25% to 2.6%.　　Five-year Personal Housing Provident Fund loan interest rate increase of 0.2%, from 4.3% to 4.5%, five-year (including five years) Personal Housing Provident Fund loan interest rate increase of 0.25%, from 3.75% to 4%.　　The notice also pointed out that the use of Housing Provident Fund loans to support the pilot work of housing construction of the city, the loan rate in accordance with the five-year Personal Housing Provident Fund loan interest rate floating 10%.　　What kind of interest rate change will the interest rate increase bring to users of Housing Provident Fund loan?　　Reporter today to call the bank Housing Personal Loan Management Department was informed: if in accordance with consumer loans in 30, loans 1 million yuan, the matching principal and interest calculation, equal to the adjustment before the monthly repayment of 4948.71 yuan, adjusted monthly repayment of 5066.85 yuan, the monthly need to pay more than 118.14 yuan. The bank's staff also pointed out that the change in interest rates is calculated only from today to the next interest rate adjustment before the rate increase, there may be a future interest rate cut. Therefore, this calculation does not fully calculate the actual amount of interest paid or paid less during the 30 loan period for consumers.