Analysis of the provident fund deposit interest rates to reduce the purchase from the non – Sohu New-www.9999mp.com

Provident fund deposit interest rate increase analysis: the purpose of reducing non housing extraction – Sohu news JINGWAH times (reporter Yu Xuefei) regulators further simplify the housing provident fund deposit interest rate grade, and improve the housing provident fund deposit deposit income of employees. Yesterday, the central bank, the Ministry of housing, the Ministry of Finance and other three ministries jointly issued a notice that, since February 21st, the employee housing provident fund accounts and current deposit rates, perform three months deposit benchmark interest rate from the current collection in accordance with the time, adjusted to a uniform according to the benchmark one-year deposit interest rate executive. After the adjustment, the staff housing accumulation fund account deposit rate will be unified according to the one-year benchmark deposit rate benchmark interest rate, the current one-year benchmark deposit rate is 1.50%. The previous policy was that the year’s collection and the previous year’s transfer were carried out separately according to the current deposit and the three month term deposit benchmark interest rate, which are 0.35% and 1.10% respectively. Housing provident fund by the state, units, workers and three parties to raise funds, mainly to the issuance of low interest housing loans, to help deposit workers to solve housing problems. The central bank said that this adjustment is conducive to the protection of workers housing provident fund deposit obtained reasonable deposit receipts, to further improve the fairness and effectiveness of the housing provident fund system, but also conducive to the degenerate housing provident fund deposit interest rates, in line with the overall direction of the interest rate marketization reform. At the same time, the adjustment is the redistribution of housing provident fund income and deposit income of employees, will not promote the overall interest rate level, nor will affect the normal management of housing provident fund operation. > > analysis of changes in interest rates have little impact, Centaline chief analyst Zhang Dawei believes that the policy aims to reduce the accumulation fund non housing extraction, attract provident fund deposit workers to reduce the extraction rate. But from this change in interest rates, the impact is very small, the policy is good only to carry over the previous year, from the past three months fixed interest rate to one year fixed interest rate, according to the current interest rate is only 0.4%. Zhang Dawei said that from the national point of view, the provident fund policy is basically a tasteless policy, the low loan ceiling constrained the role of provident fund, can only be used by people with high paying ability. 1.5% of the rate of return has been lower than the CPI inflation rate, so for low-income people, the provident fund is equivalent to devaluation. Very low yields have led many people to think of many ways to extract provident funds. If the provident fund does not solve the problem of low income, it is difficult to change the way we tried to extract the provident fund situation. > > accounting for the previous year: according to every 100 thousand yuan calculation, every year can get more than 400 yuan interest. 100000 yuan (1.5%-1.1%) =400 yuan in collection: according to the monthly deposit amount is 2000 yuan (companies and individuals to pay 1000 yuan), only the amount paid in January to the end of the year can receive 23 yuan interest, after February to pay the deposit for time deposits of less than 12 months, the interest rate. 2000 yuan (1.5%-0.35%) =23 yuan

公积金存款利率上调 分析:目的减少非购房提取-搜狐新闻  京华时报讯(记者余雪菲)监管方进一步简化了住房公积金存款利率档次,并提高住房公积金缴存职工的存款收益。昨天,央行、住建部、财政部等三部委联合发布通知称,自2月21日起,将职工住房公积金账户存款利率,由现行按照归集时间执行活期和三个月存款基准利率,调整为统一按一年期定期存款基准利率执行。   此次调整后,职工住房公积金账户存款利率将统一按一年期定期存款基准利率执行,目前一年期定期存款基准利率为1.50%。之前的政策是当年归集和上年结转的分别按活期存款和三个月定期存款基准利率计息,目前分别为0.35%和1.10%。   住房公积金是由国家、单位、职工三方共同筹集资金,主要以发放低息住房贷款方式,帮助缴存职工解决住房问题。   央行表示,这次调整既有利于保障住房公积金缴存职工获得合理存款收益,进一步提高住房公积金制度的公平性和有效性,也有利于简并住房公积金存款利率档次,符合利率市场化改革的总体方向。同时,此次调整是住房公积金收益和缴存职工存款收益之间的再分配,不会推升整体利率水平,也不会影响住房公积金的正常管理运营。   >>分析   利率变化影响不大   中原地产首席分析师张大伟认为,政策目的是减少公积金非购房提取,吸引公积金缴存职工减少提取率。但从这一利率变化看,影响非常小,政策利好只是将上年结转从过去的三个月定存利率改为一年定存利率,按照目前的利差计算只有0.4%。   张大伟表示,从全国来看,公积金政策基本是鸡肋政策,过低的贷款上限约束了公积金的作用,只能被首付能力高的人使用。1.5%的收益率已低于CPI通货膨胀率,所以对于低收入人群来说,公积金相当于是在贬值。非常低的收益率也就导致很多人想了很多办法提取公积金。如果公积金不解决低收益问题,很难改变大家想尽办法提取公积金的局面。   >>算账   上年结转:按照每10万元计算,每年可多获400元利息。100000元(1.5%-1.1%)=400元   当年归集:按每月缴存额为2000元(公司和个人各缴1000元),则仅1月份缴存的金额到年底能多获23元利息,2月以后的缴存款会因存款时间不足12个月,利息递减。   2000元(1.5%-0.35%)=23元相关的主题文章:

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