If you want to buy a second house with a provident fund loan, you should not only pay more down payment, but also pay more interest on the latest provident fund loan rate in Shenyang.
Yesterday, the reporter learned from the Shenyang Housing Provident Fund Management Department that since August 1, the down payment for buying a second home with housing provident fund loans is still 60%, but the loan interest rate is 10% higher than the benchmark interest rate. Taking the loan of 500,000 yuan for 20 years as an example, the second suite is 122.73 yuan more than the first suite every month, and the accumulated excess is 29,456.86 yuan.
Up 10%, and the interest rate over five years is 4.95%.
In order to improve the housing conditions, Mr. Tan, a citizen of Shenyang, is going to buy another house in Hunnan and use the provident fund loan.
Previously, Mr. Tan's friends and colleagues also bought two suites with provident fund loans. There is no difference except that the down payment is 30% more than the first home loan.
"The second suite bought by a friend is the benchmark interest rate." Mr. Tan said.
However, just as Mr. Tan was preparing to buy a house, he got an unexpected news. The interest rate of second-home provident fund loans rose, and the latest interest rate of Shenyang provident fund loans rose 10% on the basis of the benchmark interest rate.
Yesterday, the relevant person of Shenyang Housing Provident Fund Management Center confirmed that from August 1, Shenyang raised the interest rate of the second home loan, from the original benchmark interest rate to 1. 1 times of the benchmark interest rate of the latest provident fund purchase of the second home loan in Shenyang.
The interest rate of provident fund loans for less than five years (including five years) will be 4% for the first suite and 4.4% for the second suite after floating 10%; The interest rate for the first set of five years and above is 4.5%, and the interest rate for the second suite is 4.95%.
Those who have obtained provident fund loans are not affected.
20101.2 The Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission jointly issued the Notice on Issues Concerning Standardizing the Housing Provident Fund Personal Housing Loan Policy, which mentioned that the down payment ratio of the second housing provident fund personal housing loan should not be less than 50%, and the loan interest rate should not be lower than1./kloc of the first housing.
However, due to the system debugging in Shenyang, the previous system could not calculate the floating interest rate of the second home loan 10%.
At present, the new system has been put into use and the new policy has been implemented. After August 1, the second home loan will be implemented according to the benchmark interest rate 1. 1 times.
As for the news that the interest rate of the provident fund second-home loan has gone up 10%, many citizens who have already obtained the second-home loan are worried that they will spend more interest money in future repayment according to the interest rate of 10%.
In this regard, the staff of Shenyang Housing Provident Fund Management Department said that if the central bank raises interest rates, the repayment needs to implement the new interest rate from 1 of the following year, which means that citizens need to pay more interest money when raising interest rates.
Floating interest rates are different from raising interest rates. Citizens who have obtained loans still carry out the interest rate they enjoyed when borrowing, and are not affected by the interest rate increase, so citizens need not worry.
■ Help you pay the bill
500,000 yuan loan for 20 years, monthly 122, totaling nearly 30,000 yuan.
The interest rate of the second home loan rose. How much can citizens spend on buying a house?
Based on the 20-year loan of 500,000 yuan, the principal and interest will be repaid in equal amount. Under the benchmark interest rate, the accumulated interest is 259 179.25, and the monthly repayment is 3 163.25 yuan. After floating 10%, the accumulated interest shall be paid.
288,636.165,438+0 yuan, with an average monthly repayment of 3,285.98 yuan. From this, it can be calculated that the second apartment pays 122.73 yuan more than the original monthly repayment, and the accumulated repayment in 20 years is 29,456.86 yuan.
■ Related news
Some banks in Shenyang canceled the preferential interest rate for mortgage loans.
Morning News (Reporter Zhang Linlin) Yesterday, the reporter learned that the commercial banks in Shencheng have raised the interest rate of the first home loan and cancelled the preferential policies.
A few days ago, the head office of a joint-stock bank announced that the bank's first home loan business implemented the benchmark interest rate. Yesterday, the reporter learned from the bank's Shenyang branch that the bank had previously implemented a 10% interest rate.
The staff of the personal loan department of a joint-stock bank in Heping District said that in the second half of the year, major banks tightened the scale of mortgage loans, and the review of the first home loan was very strict. Many people did not enjoy a 10% discount.
The sales area of commercial housing in the first seven months of our province increased 1% year-on-year.
Morning News (Reporter Meng Chang) Yesterday, the National Bureau of Statistics released a brief account of the province's economic operation from June to July. The data shows that the consumer price index rose by 3% year-on-year from June to July, and the growth rate dropped by 2.4 percentage points compared with the same period of last year.
The sales area of commercial housing was 37.783 million square meters, up 1% year-on-year. Commercial housing sales185.57 billion yuan, an increase of 3. 1%.
(The above answers were published on 20 13-07-22. Please refer to the actual situation for the current purchase policy. )
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