Provident Fund deposit and loan interest rate up 800,000 loans more than 20,000 yuan

Following the adjustment of commercial loan interest rate, the interest rate of Housing Provident Fund deposit and loan is adjusted according to the usual practice. Yesterday, the Department of Housing construction, the city's Central Provident Fund Management Center issued a circular, raised Provident Fund deposit and loan interest rate, of which 5-30 years of Provident Fund loan annual interest rate from 4.3% to 4.5%, 5-year (including five years) Provident Fund loan interest rate from 3.75% to 4%.　　The adjustment was performed from yesterday. In this adjustment, the Provident Fund each deposit interest rate, the loan interest rate has carried on the rise, among them the adjustment amplitude is the Personal Housing Provident Fund deposit interest rate which the last year carry-over part, the annual interest rate from 2.25% adjusts to 2.6%. According to the introduction, according to the provisions, February 9, 2011 (excluding) previously issued, the period of one year (including one year) within the individual Housing Provident Fund loans, February 9, 2011, still carry out the original interest rate, do not take into account; the period of more than one year of personal housing Provident Fund loans, after February 9, 2011 still implement the original interest rate,　　Starting from January 1, 2012 (including), the implementation of adjusted personal Housing Provident Fund loan term grade rate. February 9, 2011 (including) after the issuance of personal Housing Provident Fund loans, the implementation of adjusted personal Housing Provident Fund loan term grade rate, in accordance with the "Beijing Housing Provident Fund Loan measures" and other provisions, for different repayment methods of individual Housing Provident Fund loans, respectively, according to the corresponding repayment formula to determine the new monthly amount.　　For those who have signed a loan contract and the loan date is February 9, 2011 (inclusive), the individual Housing Provident Fund loans shall be issued only after the borrower has signed a notice to adjust the interest rate of the loan.　　In addition, Housing Provident Fund to support the Housing construction project loan interest rates have also been raised. 800,000 loans more than 20,000 yuan in this adjustment, the 5-Year Provident Fund Loan annual interest rate from 4.3% to 4.5%, if according to the 20 loan term, the City Provident Fund loan limit of 800,000 yuan calculation, the first suite of loans on average monthly supply will increase from 4975 yuan to 5061 yuan,　　More than 85 yuan per month, the total repayment will be increased by about 20,000 yuan; if it is two suites of Provident Fund loans, the rate of implementation of 1.1 times times the provisions of the annual interest rate will increase from 4.73% to 4.95%, the total repayment will increase by about 23,000 yuan. Impact on Provident Fund loan demand will double "after raising interest rates, the demand for homeowners using Provident Fund loans may double."　　Zhongyuan Real Estate analyst Dawei told reporters that although the Provident Fund raised interest rates again, but compared to the advantages of commercial loans is more obvious, the choice of Provident Fund loans will be significantly increased. According to the introduction, Housing Provident Fund and commercial loans in the first suite of interest rate difference, from the previous 1.14% rose to the current maximum of 2.1% to 800,000 Yuan credit 20 years, the monthly difference reached 950 yuan, and the second suite of Provident Fund loan advantages more obvious. Provident Fund loan 800,000 will be less than 1070 yuan per month for commercial loans. In the 20 loan period, Provident Fund loanSection 800,000 and commercial loans total interest difference, the first suite reached 228,000 Yuan, two suites reached 256,800 yuan, both the amount of a huge difference. Analysis of the increase in the cumulative effect of the increase is understood that this is since October 20 last year, Housing Provident Fund for the third time adjustment, but also into the 2011 Housing Provident Fund for the first time hike.　　Dawei said that the increase in the cumulative effect will gradually become obvious, over the past year has raised interest rates many times, although the direct impact of the previous several interest rate increases are not obvious, but gradually will be superimposed effect, at the same time, the impact on the market expectations, buyers will be more and more obvious watching mood. Link Housing subsidy deposit rate increase reporter learned from the Municipal Provident Fund Management Center, yesterday, the city's housing funds deposit interest rate hike, the content of housing subsidy deposit, unit housing funds and the sale of common residential housing special maintenance funds. The housing subsidy deposit rate was paid in part, the interest rate from 0.36% to 0.4%, the transfer of some interest rate from 2.25% to 2.6%, Unit Housing fund and the sale of common residential housing Special maintenance Funds Unit deposit, deposit rate adjustment demand rate from 0.36% to 0.4%,　　The term deposit rate, the three-month period from 2.25% to 2.6%, the half-year period from 2.5% to 2.8%, the one-year period from 2.75% to 3%.　　Reminding blind transfer may not outweigh yesterday was the first working day after the Chinese New Year holiday, as the People's Bank of China began raising the benchmark interest rate on deposit and lending yesterday, and many citizens were busy depositing their regular deposits. According to the relevant regulations, when the depositors in the withdrawal of the unexpired time deposit, regardless of the length of the deposit, the bank only at the current interest rate, so blind transfer may result in loss. Silver NET analyst points out that the public should use the formula to calculate the necessary transfer before handling the dump. The formula is: transfer time limit = 360 days x Deposit period x (new rate-Original interest rate) (new rate-current rate). In this calculation, if the deposit is made after December 26 last year, the 1-year deposit tipping point is 35 days, 2 years is 72 days, 3 years is 92 days and 5 is 176 days. If the threshold is exceeded, the public gains no more than the loss of interest, rather than the transfer.