[# How much money can buyers save in the new housing loan policy #?] On May 17, the central bank and other departments issued three notices in succession, with the down payment ratio, housing loan interest rate and provident fund all reduced. The real estate credit policy was fully relaxed, and the down payment ratio dropped to a minimum of 150%.
According to the statistics of 21 Data News Laboratory, if the down payment is 20%, the monthly payment will be 11388.89 yuan, and the total interest for 30 years will be 1.7 million yuan, calculated by purchasing a property of 3 million yuan; If the down payment ratio is reduced to 15%, the loan ratio will increase, with monthly payment of 12100.7 yuan and total interest of 1.806 million yuan. The total interest for 30 years increased by 106000 yuan, and the monthly payment increased by 711.81 yuan. (Calculated by 5-year LPR of 3.95%, commercial loan of 30 years, equal principal and interest).
Experts believe that this adjustment is the most relaxed one in the history of real estate development in the past 40 years. Its level exceeds all previous relaxation policies, and it is a historic policy to boost housing purchase, with far-reaching impact. How much money can be saved for house buyers? A quick look at a picture ⬇️ （ 21st Century Economic Report ）
