从2012年6月8日起，下调个人住房公积金存款利率。当年归集的个人住房公积金存款利率下调0.10个百分点，由0.50%下调至0.40%；上年结转的个人住房公积金存款利率下调0.25个百分点，由3.10%下调至2.85%。

公积金存款利息是什么意思，贷款利率5年以上的利率是4.5%

个人住房公积金贷款利率表如下：下表为2012年7月6日最新公积金贷款利率(1-5年：4.00%，6-30年：4.50%)数据，结果仅供参考。查看央行历次贷款利率调整情况推荐使用：最新利率商业、公积金、组合房贷款计算器年份月数月利率(‰)年利率(%)月还款额(贷1万元)本息总额总利息1123.334.00到期一次还本付息10400.00400.002243.334.00434.2510421.98421.983363.334.00295.2410628.63628.634483.334.00225.7910837.95837.955603.334.00184.1711049.911049.916723.754.50158.7411429.301429.307843.754.50139.0011676.141676.148963.754.50124.2311926.311926.3191083.754.50112.7812179.802179.80101203.754.50103.6412436.612436.61111323.754.5096.1912696.722696.72121443.754.5090.0012960.122960.12131563.754.5084.7913226.793226.79141683.754.5080.3413496.713496.71151803.754.5076.5013769.883769.88161923.754.5073.1614046.264046.26172043.754.5070.2214325.854325.85182163.754.5067.6314608.614608.61192283.754.5065.3314894.534894.53202403.754.5063.2615183.595183.59212523.754.5061.4115475.755475.75222643.754.5059.7415770.995770.99232763.754.5058.2216069.306069.30242883.754.5056.8416370.646370.64253003.754.5055.5816674.976674.97263123.754.5054.4316982.296982.29273243.754.5053.3717292.547292.54283363.754.5052.4017605.717605.71293483.754.5051.5017921.777921.77303603.754.5050.6718240.678240.67