The heavy benefits given by the central bank before the holiday are being continuously implemented throughout the country. After returning to work during the 11th holiday, many housing provident fund management centers have announced that according to the regulations of the People's Bank of China on lowering the interest rate of the first individual housing provident fund loan, the interest rate of the first individual housing provident fund loan in the provinces and cities will be adjusted accordingly.
According to incomplete statistics, many cities such as Beijing, Hangzhou, Wuxi, Zhengzhou, Nanning, Shijiazhuang, Tianshui, Jilin, Luzhou, Xiangyang and Yichang have issued relevant announcements. Before the National Day, a set of policy combination boxing, in addition to lowering the interest rate of the first set of housing provident fund loans, also includes phased adjustment of differentiated housing credit policies and personal tax rebates for residents to buy houses. Now that more than half of the "Golden September and Silver 10" has passed, what role the pre-holiday policy will play in the property market and the real estate sector is worth looking forward to. After the holiday of 1 1 day when the interest rate of the first individual housing provident fund loan was lowered, news of the interest rate of the first individual housing provident fund loan was lowered one after another. On October 8th, 65438/KLOC-0, the official micro of "Hangzhou Housing Provident Fund Management Center" issued a notice to lower the interest rate of the first individual housing provident fund loan.
According to the decision of the People's Bank of China, the interest rate of the first individual housing provident fund loan will be lowered by 0. 15 percentage point from June 2022, and the interest rates for less than five years (including five years) and more than five years will be adjusted to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively. Hangzhou Housing Provident Fund Management Center stated that the first set of personal housing provident fund loans issued after June 5438+1 October1in 2022 will be implemented at the adjusted new interest rate; The first unexpired personal housing provident fund loan was issued before June 65438+1 October 1, and will be implemented at the adjusted new interest rate from June 65438+1October/,2023. Similar notices have been launched in many housing provident fund management centers. 10 On June 8th, Anhui Provincial Housing Provident Fund Management Sub-center issued the Notice on Adjusting the Loan Interest Rate of Personal Housing Provident Fund for the First Suite, and Hefei City and Maanshan City also issued downward announcements at the same time. Other multi-city provident fund centers in Anhui Province forwarded the central bank's previous policy of lowering the loan interest rate of personal housing provident fund.
In addition to the above-mentioned provinces and cities, China Foundation observed that on1October 8 10, Zhengzhou, Nanning, Shijiazhuang, Wuxi, Tianshui, Jilin, Luzhou, Xiangyang, Yichang and other cities issued similar notices. In fact, the good news of lowering the interest rate of the first set of personal housing provident fund loans has been reported in some areas during the holidays. For example, Jinan Housing Provident Fund Center issued a notice on adjusting the interest rate of the first home provident fund loan on June 10.
Zibo, Zaozhuang, Rizhao, Weifang and other urban housing provident fund management centers also issued notices during the 11th holiday, announcing that the interest rate of the first individual housing provident fund housing loan will be adjusted from 10 to 1 in 2022. In addition to issuing notices and announcements, some regions have also made intimate policy interpretations.
For example, regarding the preferential measures of reducing the interest rate of provident fund loans by 0. 15%, Dongguan Housing Provident Fund Management Center introduced that at present, the maximum loan limit of the first suite in Dongguan is 900,000 yuan, the longest loan period is 30 years, and the repayment method is equal principal and interest. For example, the total interest before adjustment is about 5 10000 yuan and the monthly payment is 39 17 yuan, and the total interest after adjustment is about 483000 yuan. On the identification standard of the first home, Dongguan Housing Provident Fund Management Center stated that it is regarded as the first home of a family (husband and wife and minor children) if the following conditions are met at the same time, and the house and loan transferred by the applicant are not included: First, the applicant and his family have no housing registration record in the real estate registration department of Dongguan; Second, the applicant and his family have never used housing provident fund loans nationwide; Third, the housing purchased by the applicant is a non-duplex housing. At the time of implementation, the standard contents given by some regional provident fund management centers are similar, basically: the first set of personal housing provident fund loans accepted but not issued before 2022 10 will be implemented at the new interest rate; The first individual housing provident fund loan applied after 2022 10 shall be implemented at the new interest rate; The first personal housing provident fund loan issued before June 65438+ 10/in 2022 will be adjusted at the new interest rate from June 65438+1 0/in 2023. 10 On June 9th, the relevant staff of Beijing Housing Provident Fund Hotline said that at present, the interest rate of the first-home housing provident fund in Beijing is 2.6% for less than five years (including five years) and 3. 1% for more than five years. The new house payment paid by employees can be implemented at the new interest rate. In addition, the interest rate of the first home housing provident fund loan will be adjusted from 1 next year. However, for cities where the provident fund centers are still "inactive", it is not that the new policy is not implemented, but that the distribution channels are different. For example, according to "Deep Suzhou" WeChat WeChat official account's announcement that it has called 12345, the interest rate of the first suite of Suzhou Provident Fund is determined to be lowered by 0. 15 percentage point. On September 30th, official website, the central bank announced that the People's Bank of China had decided to lower the interest rate of the first individual housing provident fund loan. The People's Bank of China has decided to reduce the interest rate of the first individual housing provident fund loan by 0. 15 percentage point from June 2022, and adjust the interest rates for less than five years (including five years) and more than five years to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively. It is understood that this adjustment is the first downward adjustment after a lapse of seven years, so it has also been interpreted by the market as a heavy benefit.
Wang Xiaoyu, chief analyst of Zhuge Housing Search Data Research Center, commented that the provident fund is one of the important financial loans for property buyers, and it is also a special loan fund for buying and selling houses. It is the preferred loan method for buyers in the process of purchasing houses. The reduction of provident fund is mainly aimed at the first suite, which once again reflects the support of credit policy for rigid demand. In the fourth quarter, with the blessing of a number of central policies, the market is expected to accelerate the repair and achieve remarkable results. In addition to lowering the interest rate of individual housing provident fund loans, on September 29th, the People's Bank of China and China Banking Regulatory Commission issued a notice, deciding to adjust differentiated housing credit policies in stages. Eligible city governments can independently decide to maintain, reduce or cancel the lower limit of the first set of local new housing loan interest rates before the end of 2022. On September 30th, the Ministry of Finance and State Taxation Administration of The People's Republic of China issued the Announcement on Individual Income Tax Policies in Support of Residents' Housing Redemption, specifying the taxpayers who sold and repurchased their houses in the market within 1 year after the houses were sold in the current period from June 2022 to June 2023 12. Zhongtai Securities's macro team pointed out that since April this year, although the central bank lowered the lower limit of the first home loan interest rate and the five-year LPR twice, the rebound of real estate sales from the bottom still showed some twists and turns: First, the "uncompleted residential flats" incident affected the auction sales; Second, there have been repeated epidemics in many places; Third, the continuous decline in housing prices has restricted residents' expectations and willingness to buy houses. However, with the effect of relaxation of policy constraints gradually emerging, the real estate sales situation has gradually improved. The gradual strengthening of policy support, especially the increase of demand-side support, will help to improve the previous weak expectations, and the real estate boom is expected to usher in a significant improvement. The special report on Minsheng Securities' interest rate shows that the "930" real estate relaxation policy was intensively introduced to boost the real estate market sentiment and stimulate individual rigid and improved housing demand. To some extent, it is reflected in the macro picture of current internal and external pressures. The policy needs to make a difference in real estate, and the high-frequency data of real estate sales have also improved recently. Under the policy overweight, this trend may continue in the short term. Similarly, the collection team of Huatai Securities also indicated that the pre-holiday real estate policy was launched in three arrows, and the high-frequency data such as the transaction area of commercial housing in 30 cities and the land transaction in 100 city have rebounded recently, but this round of real estate policy is still relatively restrained compared with 20 15, and "Jin Jiu" has passed, and the color of "Silver Ten" needs to be confirmed. But at least from the policy point of view, we should not doubt the determination to reserve stock tools and stabilize growth.
2.202/kloc-what is the interest rate of the provident fund loan in October/July?
The interest rate of provident fund loans is the benchmark interest rate announced by the People's Bank of China on 20 15 years124 October, which is adopted by all banks in China. At present, the benchmark interest rate (annual interest rate) of provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years. It usually takes more than one year to use it.
Is the interest rate of provident fund loans fixed or floating?
The interest rate of provident fund loans is fixed and does not float.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
What conditions do individual housing provident fund loans need to meet? The main contents are as follows:
1. The borrower has full capacity for civil conduct;
2. Have the official residence or valid residence status in this city;
3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;
4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;
Third, the interest rate of commercial loans has been lowered. Has the interest rate of provident fund been lowered?
First of all, answer directly.
After the mortgage interest rate is lowered, the provident fund will not be lowered.
The mortgage interest rate refers to LPR, and the provident fund refers to the benchmark interest rate of provident fund loans, which are different. Therefore, when LPR is lowered, the interest rate of provident fund loans will not be adjusted.
Only when the benchmark interest rate of the provident fund is adjusted and the provident fund loan is applied, the interest rate of the provident fund loan will be adjusted. For users who have applied for provident fund loans, the interest rate of provident fund will be adjusted, and the mortgage interest rate of users will not be affected.
After the mortgage interest rate is lowered, only the commercial loan interest rate may be lowered, and the user mortgage interest rate must be adjusted on the LP interest rate adjustment date. Although the interest rate of provident fund loans will not be adjusted, it is more cost-effective because the interest rate of provident fund loans is lower than that of commercial loans.
Users can apply for provident fund loans. It is recommended to apply for portfolio loans first, and then apply for commercial loans when they cannot apply for provident fund loans.
Online loan users can also check their credit qualifications by docking the third-party big data risk control platform. For example, Xiaoqi Credit Information and Beijian Quick Check have cooperated with nine companies in the market, so its query results are very accurate. Intuitively, you can not only know your own big data and credit situation, but also get various indicator data.
There are a lot of blacklists of online loans, that is to say, if borrowers are overdue or owe money on one platform, such bad records will also be made public on other loan platforms, so everyone must be careful to maintain their online loan credit, otherwise when they encounter economic crisis again, they will not be able to obtain online loan products with good personal credit.
Third, falling house prices, mortgage interest.
In fact, falling house prices and mortgage interest are the prices set by developers, and falling house prices will affect the loan amount. Under the same down payment ratio, the loan amount will also be reduced.
For example, the price of a house that the borrower originally liked was 6.5438+0 million, with a down payment of 30% or 300,000 and a loan amount of 700,000. Later, the developer reduced the house price by 6,543,800+to 900,000, with a down payment of 30% to 270,000 and a loan of only 630,000.
Of course, it is also possible that house prices will fall and mortgage interest rates will also fall, which can only be said to be a coincidence. Note that the reduction of mortgage interest rate also depends on the type of mortgage, that is, whether the mortgage is a commercial loan or a provident fund loan. The interest rates of the two loans are different and the changes are different.
The general downward adjustment of mortgage interest rate is aimed at pure commercial loans, because the interest rate of provident fund loans is implemented according to the benchmark interest rate of provident fund loans and generally will not change; The newly issued pure commercial loans are priced based on the LPR interest rate. With the fluctuation of LPR, pure commercial loans will also be lowered when the LPR interest rate is lowered.
4. When will the interest rate of provident fund be lowered?
The new interest rate of provident fund is raised recently, but when will it be implemented?
65438+ The notice issued by the Ministry of Housing and Urban-Rural Development to raise the deposit and loan interest rate of provident fund will be formally implemented. Following the adjustment of the provident fund interest rate on October 20th, 65438/kloc-0, the loan interest rates of individual housing provident fund for less than five years (including five years) and for more than five years were respectively raised by 0.25 percentage points, from 3.50% to 3.75%, and from 4.05% to 4.30%, which was the second increase in the year.
In response to the repayment changes after the two upward adjustments, many citizens reported that they were "a little confused", and the number of citizens who logged on the website of Changsha Housing Provident Fund Management Center for related consultation also increased significantly.
Reminder: After two accumulations, the public should pay attention to the change of repayment amount.
On February 28th, 65438, two days after the interest rate of the provident fund was raised, the netizen "Serena" consulted the repayment situation on the website of Changsha Housing Provident Fund Management Center. Serena borrowed 290,000 yuan from the provident fund, with a term of 17, and the date of loan issuance was 1 1 year on February 7. According to the repayment requirements, the loan will be repaid next month, that is, in June of 1 year.
It is understood that at present, the mortgage interest rates of commercial banks in Changsha are basically adjusted once a year, so the two interest rate adjustments on June 20 10 and February 26 1 year will be implemented in June1year. This means that citizens who applied for provident fund loans before June 20 this year 10 will bear new interest rates after raising interest rates twice in June next year 10.
"When citizens make statements at the end of the year, they should pay attention to the bank's notice, and the new repayment plan next year will also reflect the adjustment of interest rates." The relevant person in charge of the personal loan office of China Everbright Bank said that citizens need to know the new interest rate policy in time so as to accurately pay the repayment amount next year and prevent personal credit from being affected.
So what changes have these two interest rate hikes brought to the repayment of citizens who use provident fund loans? Based on the 20-year loan of 200,000 yuan, according to the interest rate of 3.87% before 10/98.3 yuan per month, the figure will become 1243.8438+0 yuan next year.