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            深圳公積金貸款利率下調0.25個百分點

            来源:     添加时间:2020-06-21

            記者昨天從市公積金中心獲悉,從11月22日起,根據央行有關規定,深圳公積金存貸款利率同步下調,其中,公積金貸款5年以下(含5年)從4%下調為3.75%,5年以上從4.5%調整為4.25%,均下調0.25個衛生百分點。

            市公積金中心相關負責人說,此次公積金貸款利率同步下調後,職工可進一步降低還款壓力。以一筆30年期、本金為90萬元、按等額本息法計算的公積金貸款為例,利率調整後月供可減少約130元,總利息可少還約4.7萬元;貸款50萬元的,月供可減少約73元,總利息可少還約2.6萬元。

            該負責人表示,從11月22日起新申請的公積金貸款將執行央行最食品新公佈的公積金貸款利率,11月22日以前已發放的公積金貸款仍按照原利率執行,從明年1月1日起,再按最新的公積金貸款利率執行。由於已接近年底,老公積金貸款客戶也無需等待太久就可享受到降息帶來的實惠。

            據介紹,在公積金存款利率方面,當年度繳存的公積金仍按年利率0.35%執行,上年度結轉的部分從2.6%調整為2.35%。

            (來源:深圳特區報)

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