A few days ago, the interest rate of the housing provident fund and personal housing loans was lowered by 0.25 percentage points, and how much benefit can depositors get, and the relevant person in charge of the Provident Fund Management Department of the Ministry of Housing and Urban-Rural Development said yesterday (18th) that the new policy will provide greater support for depositors to solve housing
Taking the first housing provident fund personal housing loan with an amount of 1 million yuan and a term of 30 years as an example, if you choose the equal principal and interest repayment method, the monthly payment will be reduced from 4270.16 yuan to 4135.57 yuan, a decrease of about 135 yuan, and the total interest expense will be reduced by 48,500 yuan. The benefits for buyers are substantial.
According to reports, the scope of the loan interest rate adjustment includes both the newly issued housing provident fund personal housing loans and the existing housing provident fund personal housing loans. For personal housing provident fund loans that have been disbursed before May 18, 2024, the new interest rate will be implemented from January 1, 2025. New personal housing provident fund loans issued after May 18, 2024 (inclusive) will be directly executed according to the adjusted new interest rate. The Ministry of Housing and Urban-Rural Development said that it will guide the urban housing provident fund management center to do a good job in policy convergence in accordance with the regulations to ensure that depositors can enjoy the preferential policies as soon as possible.
Prior to this (May 17), the People's Bank of China issued three notices in succession, the details of which are as follows:
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(Source: People's Bank of China, People's Daily, CCTV News)
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