Housing provident fund deposit interest rate rise, the industry said or little effect-havd707

Housing provident fund deposit interest rate rise, the industry said or not much effect, the original title: housing provident fund deposit interest rate increased interest rates can run CPI? The three Department jointly issued a document, decided to staff housing accumulation fund account deposit interest rate adjusted to unified one-year benchmark deposit interest rates. In new network on 18 February, (real estate channel Lu Xiaoxiao) recently the central bank, the Ministry of housing, the Ministry of Finance jointly issued a document, the decision 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 system according to the benchmark one-year deposit interest rate executive and raise the interest rate of 1.50%. Insiders pointed out that the move will increase the residents’ interest income of provident fund, improve the ability of residents to pay, the government departments in the move to inventory for the property market. But insiders pointed out that, because the interest rate adjustment is not large, the increase in the amount of provident fund interest is limited, the actual effect is not big, 1.5% of the income is lower than the recent consumer price index CPI rise, provident fund in the account may be devalued. Yesterday, the central bank website announced that the people’s Bank of Chinese, Ministry of housing and urban construction, the Ministry of Finance issued the "notice on the improvement of employee housing provident fund account deposit interest rate formation mechanism" (hereinafter referred to as the "notice"), since February 21st, the employee housing provident fund accounts and current deposit rates, perform three months deposit rates by according to the current collection time, adjusted to a uniform according to the benchmark one-year deposit interest rate executive. The adjustment is the redistribution of housing accumulation fund income and deposit income of employees, it will not push up the overall interest rate level, nor will it affect the normal management and operation of housing provident fund. It is reported that since 1996, following the "low to low, guaranteed profit principle, employee housing provident fund deposit accounts in accordance with the collection time between interest rates, and then separately carried over from the previous year respectively according to demand deposits and three months deposit benchmark interest rate, there are 0.35% and 1.10%. After the adjustment, the staff housing accumulation fund account deposit rate will be unified according to one-year benchmark deposit rate, the current rate is 1.50%. Since the provident fund account deposit interest rate has improved, then the adjustment of the people’s provident fund accounts can be more income how much money? Beijing real estate channel calculations, taking the A as an example, if the provident fund account balance last year is 100 thousand yuan per month this year regularly paid 1000 yuan provident fund, provident fund balance by the end of this year will be 113597.5 yuan, according to the original rate is only 113122.75 yuan, the adjusted increase of 474.75 yuan. In this regard, the Central Plains real estate chief analyst Zhang Dawei said that the purpose of this policy is to reduce the non purchase housing provident fund extraction, attracting provident fund deposit workers to reduce the extraction rate, but from this interest rate changes, the actual impact is very small. 1.5% of the income is lower than last year in December rose by 1.6%CPI year-on-year, so for low-income people, the accumulation fund in the account is equivalent to devaluation. In fact, the provident fund prop

住房公积金存款利率上调 业内称或作用不大   原标题:住房公积金存款利率上调 增加的利息能跑赢CPI吗?   三部门联合发文,决定将职工住房公积金账户存款利率,调整为统一按一年期定期存款基准利率执行。   中新网2月18日电(房产频道陆肖肖)近日央行、住建部、财政部联合发文,决定自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,上调后的利率为1.50%。   有业内人士指出,此举将增加居民的公积金利息收益,提高居民的支付能力,是政府部门在出招为楼市去库存。但也有业内人士指出,由于利率调整幅度不大,公积金利息增加的数额有限,实际作用不大,1.5%的收益低于近期居民消费价格指数CPI的涨幅,公积金放在账户中有可能还在贬值。   昨日,央行网站发布消息称,中国人民银行、住房城乡建设部、财政部印发《关于完善职工住房公积金账户存款利率形成机制的通知》(以下简称《通知》),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。   据悉,1996年以来,遵循“低来低去、保本微利”的原则,职工住房公积金账户存款按照归集时间区分利率档次,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%。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,目前为1.50%。   既然公积金账户存款利率有所提高,那么调整后民众的公积金账户能多收入多少钱呢?中新网房产频道算了一笔账,以职工A为例,假如去年公积金账余额有10万元,今年每个月会定期缴存1000元的公积金,到今年年底,公积金余额将变为113597.5元,按原来的利率则只有113122.75元,所以调整后增加了474.75元。   对此,中原地产首席分析师张大伟表示,此次政策目的是减少公积金的非购房提取,吸引公积金缴存职工减少提取率,但从这一利率变化看,实际影响非常小。1.5%的收益低于去年12月同比上涨1.6%CPI的涨幅,所以对于低收入人群来说,公积金放在账户中相当于是在贬值。   实际上,公积金政策因提取条件苛刻、享受人群有限而饱受诟病,不买房的话,少有居民从账户中提取公积金,不少民众的公积金一直在账户“沉睡”,利用率不高。在CPI不断增长的情况下,公积金自然也难以保值升值。   虽然利率调整幅度不高,但从公积金政策形成机制方面来看,仍具有现实意义。《通知》指出,完善职工住房公积金账户存款利率形成机制,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。   “公积金存款利率上调,可以刺激购房者更加充分利用公积金”,同策咨询研究部总监张宏伟表示,加上之前由于降息导致的公积金贷款利率的降低,意味着公积金贷款的存贷利差进一步减少,对于购房者来讲,还款压力可以进一步减轻,由此看来,央行还是在出招去库存。   易居研究院智库中心研究总监严跃进也认为,从经济效应来看,过去按照活期或三个月的存款基准利率进行利息计算,实际上对于公积金缴纳群体来说,没有太多诱惑力。而此次政策允许按照一年的定期存款利率进行计算,相当于政府鼓励工薪阶层积极缴纳公积金,并给予等同于理财性质的收益保障。这样做,能够扩大公积金缴纳的范围和规模,对于后续公积金利用也能够起到积极的保障作用。(中新网房产频道) 责任编辑:倪子牮相关的主题文章: