Housing provident fund loans than commercial loans, 370000
Source: 2012 09 month 20 days Sohu Focus Network

   As is known to all, housing provident fund loans than commercial loans can save a lot of interest, but what can save much money? Believe that the majority of the purchase of the netizen answers are very curious.
Sohu net friend: want to buy a Xianlin LOFT apartment layout of the house, a total of around 1100000. 3 into a down payment, the remaining 1629 loans. If the use of provident fund loans than commercial loans can save much money?
Editor on duty: according to the provisions of the State Council "Regulations" housing provident fund management and the "Zhejiang housing provident fund regulations", personal provident fund loan amount of up to 500000, while the couple total loan amount of up to 800000. Specific to how much money the province is jointly determined by the loan amount, loan period, repayment, the bank interest rates, personal housing accumulation fund loans and other factors. Because the matching repayment method suitable for work, income is relatively stable population, so small make up to 6.55% of commercial loans, provident fund loans benchmark interest rate 4.50% of the benchmark interest rate, calculation of provident fund loans and commercial loans by matching repayment repayment difference way. The results are as follows:

    From the table we can see, with the amount of loans increased, economic performance of provident fund loans more obvious. The 800000 loan for 20 years, a year can save 10000 yuan, the total repayment of the province under about 200000 can buy a car. Notable is, a person can only use a provident fund loans, so keep the use of provident fund loan qualification is necessary.