Earlier this month, the state Department of Housing and Urban-Rural Development and other four ministries issued "on the specifications of individual housing loans to the housing provident fund policy-related issues," which clearly requires increased use of fund for loans to buy two suites down payment ratio and lending rates, also stopped three suites Fund loans. Housing provident fund management center in Chengdu yesterday announced that from tomorrow the policy implementation of the new loan fund.
Two suites down payment into a monthly interest rate increase in the lowest 5
According to a notice published in Chengdu Fund Center, from tomorrow, Chengdu, housing provident fund loans policy will be adjusted. Among them, the public provident fund loans for the purchase of second homes, required down payment of not less than 50%, while the loan interest rate of housing provident fund in accordance with the first set of the same period of individual housing loan interest rates to 1.1 times the execution.
In the notice, did not fund the loan to buy the first suite to use the situation to adjust.
According to the latest policy, provident fund loans for the purchase of two suites with members of the public interest will be increased each month. Loans to a fund of 40 million, a 20-year loan period, equal to the repayment of principal and interest the way to the house, for example, if the purchase is the first suite, then the interest rate is 4.05%, the monthly repayment amount 2434.47 yuan, a total of 20 years of interest 184,273.5 yuan; If you are buying second homes, then the interest rate should be 1.1 times led Suite, that 4.455 percent, the monthly repayment amount of 2520.89 yuan, a total of 20 years, 205,013.98 yuan of interest . The monthly payment will increase by 86 yuan or so, the Department also completely necessary to pay interest on loans to 20,740 yuan.
Provident Fund loan to buy three suites will not work
Meanwhile, from tomorrow, the Chengdu public provident fund loans for the purchase of third set and paid into the employee housing families, will stop issuing housing loans to individual housing provident fund. "As a result, real estate speculators who need to assess carefully the risks of their own." Long-term focus, said Mr. Liu of Chengdu people in the property market, which acts to combat real estate and stable prices, or will have a good effect.
In addition, the housing provident fund management center in Chengdu also reminded the public of specific policies for the loan fund can call hotline 96319 Housing Fund of Chengdu, Chengdu Fund Center Web site or log www.cdzfgjj.gov.cn to search.
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