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More than the five-year fund loan interest rate 0.2% mortgage slaves can burden the number

More than the five-year fund loan interest rate 0.2%, house slaves can burden the number? After following the Central Bank to cut interest rates, housing common reserve fund loan and deposit rates also fell down. And much relaxation of the first Fund loan policy and cut interest rates, no doubt to the young House slave real financial support. The Fund cut its lending rate, to reduce burden on slave how much?
Provident Fund cuts in particular: from June 8, 2012, cut personal housing accumulation Fund loan rates. Personal housing accumulation Fund loan rates above the five-year period 0.2%, from 4.9% to 4.7%, following the five-year period (five years) personal housing accumulation Fund loan interest rate 0.25%, from 4.45% to 4.2%.
June 8, 2012 (June 8) later issued a personal housing accumulation Fund loan, implementation of the provisions of this notice. Outstanding individual housing loans issued before June 8, 2012, with effect from January 1, 2013 according to the provisions of this circular.
in Shanghai, for example, pay less 10% down payment, means home buyers money less a hundred thousand of Yuan, more than 200,000 yuan for many buyers, means can be two or three years in advance, even 45 purchase; also, 10%, 20% can transform into the Provident Fund loans commercial mortgages, also represented housing costs actually dropped tens of thousands of Yuan, or even a hundred thousand of Yuan. Accounts
:
business credit lines of credit: apply for loans with the Bank running water, proof of income and other factors, is subject to bank approval.
Provident Fund loan amount: according to the housing accumulation Fund account balances stored within multiple, line of credit and loan proportion three conditions are worked out, the minimum value is the maximum loanable amount the borrower. (Suspension of paid working families buy a third and above the housing accumulation Fund loan. )
1. According to housing Provident Fund account balance calculation of highest can loan lines
calculation formula for: (Provident Fund account balance + Provident Fund months deposit amount x2x to statutory retired months number) X2
2. According to loan highest limit calculation of can loan lines
a people application housing Provident Fund loan of, highest loan amount for 500,000 yuan, two people or two people above purchase same housing application housing Provident Fund loan of, highest loan amount for 800,000 yuan.
3. According to loan proportion calculation of can loan lines
on purchase first sets housing and sets type area in 90 square meters (containing 90 square meters) following or by provides purchase economic applies housing of family (including borrowing people, and spouse and the minor children, with), first payment proportion not below 20%; on purchase first sets housing and sets type area in 90 square meters above of family, first payment proportion not below 30%; on purchase second sets housing of family, first payment proportion shall not below 60%, Loans to 1.1 times the benchmark rate by the same grade in the same period times the execution.
has buy room of room slave are: pressure reduce
matching principal and interest repayment way: monthly also amount =[loan principal x months interest rate x (1+ months interest rate) ^ repayment months number] รท [(1+ months interest rate) ^ repayment months number -1]
to a households family used pure Provident Fund loan 600,000 yuan purchase first sets housing for cases, if by matching principal and interest repayment way points 20 paid off, is zhiqian of months for for 3926.66 Yuan. After the rate cut, the monthly payments will be reduced to 3860.98 Yuan, has cut interest rates less expenditure of 65.68 Yuan a month, total repayment amount can be reduced more than 15700.
Provident Fund loan of 300,000 yuan, 15-year, periodic repayments, for example. Before the interest rate adjustment, press the "more than 5-year 4.9%" calculate total interest loan of 300,000 yuan to 124220.4 Yuan, monthly repayment 2356.78; after the adjustment, press the "more than 5-year 4.7%" calculate total interest loan of 300,000 yuan to 118636.8 Yuan, monthly payment 2325.76. Comparison found that the total loans after the interest rate adjustment less interest about 5584, less repayments 31.02 Yuan a month, about one year less repayment 372 Yuan.
is buy room of associate room slave happened to with Provident Fund improve loan amount
for how effective using Provident Fund loan, ICBC of mortgage Manager Zhang Yingying such told financial weekly of reporter: "for is married of people for, can will both of Provident Fund cumulative with loan, highest can loan 600,000 yuan, if is men and women friends or has direct blood relationship of relatives also can through proved relationship to get cumulative loan.
If it is long distance relationships or couples, may be Provident Fund will go to the place of purchase, if married, cumulative loans. But this is too much trouble, some provinces have restrictions. In addition, the portfolio loan can be taken into account. "

Provident Fund loans advantages speak from loans, loan benchmark interest rates of more than five years is 7.05%, even years before calculation of maximum 70 percent discount, the interest rate is 4.935%, still slightly above the 4.9% of the Provident Fund interest rate.
, pure accumulation Fund loan down payment on a first home under 90 square meters 20%, down payment on a 90-square-meter 30%. This was just shortly into the community of young people provides a buying opportunity is more easily accepted.
in addition, the Bank of Provident Fund loans are not specified by the developers of the application limits. Consumers will be free to choose the lending bank. Of course, at the time of application for Provident Fund loans, nor be required to buy insurance or other financial products, consumer loans without step, from each plot.
we can see that the fine tuning of the housing accumulation Fund loan policy really is to just need buyers runs out the olive branch to help reduce the burden on first-time home buyers. Not as an investment, for accommodation only, we don't have to bother studying price movements were mixed, just at the right time to purchase one of heaven and Earth.

 

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