From June 65438+1 October1in 2022, the loan interest rate of provident fund and first-hand house: less than five years (including five years), the loan interest rate is 2.6%, and more than five years is 3.1%; The interest rate of the second set of housing provident fund loans is 3.025% for less than five years (including five years) and 3.575% for more than five years.

2. What is the interest on the provident fund loan?

According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is:

1, individual housing Roy provident fund deposit: the annual interest rate paid in the current year and carried forward from the previous year is1.5%;

2. Personal housing provident fund loan: the annual interest rate is 2.75% for less than five years (including five years) and 3.25% for more than five years.

Is the interest of the provident fund the same as that of the bank? The money in the housing provident fund account is the same as the deposit interest, but the interest is not very high. Generally, it will be settled once a year, and the interest will be settled on June 30th every year. After settlement, the interest will be deposited in the provident fund account, and a corresponding short message will be sent to the user to tell you how much interest the provident fund account generated in the previous year.

The money in the housing provident fund is equivalent to a demand deposit, which can be withdrawn or deposited. The housing provident fund paid by individuals and units shall bear interest from the date of deposit in the individual housing provident fund account, and the interest shall be paid according to the savings deposit rate stipulated by the People's Bank of China before Huling. If the amount of housing provident fund is not used for a long time, housing provident fund will generate corresponding interest like deposits.

The balance of provident fund allocated in the current year is calculated at the interest rate of current savings deposits, and the balance of housing provident fund carried forward in the previous year is calculated at the interest rate of lump-sum deposit and withdrawal for three months. If the user withdraws part of the provident fund, it is stipulated to withdraw the balance allocated first.

The biggest function of the money in the provident fund account is not to generate interest, but to apply for loans, because the amount of provident fund loans is calculated according to the account balance. The more the account balance, the higher the loan amount you can apply for, and the more interest you can save for the lender.

3. What is the interest rate for provident fund loans?

The interest rate of provident fund loans is 3.00% for five years and below, and 3.50% for more than five years.

4. What is the interest rate of the second-home provident fund loan?

The interest rate of the second-home provident fund loan is 1. 1 multiple of the benchmark interest rate. Because the second suite was purchased on the basis of the first suite, the interest rate of the second suite will rise 10% on the basis of the first suite. Because the interest rate of the first suite is 15% off.

1. What is the interest rate of the second-home provident fund loan?

1, and the personal loan interest rate of housing provident fund with a loan term of less than 5 years (inclusive) is 2.75%; The loan interest rate for more than 5 years is 3.25%; The interest rate of the second home loan is 1. 1 multiple of the benchmark interest rate.

2. For example, Xiao Zhang owns a house in Beijing and buys two houses. The interest rate of provident fund loan is 3.25% 1. 1 times the benchmark interest rate, that is, 3.575%. The commercial loan interest rate is 1. 1 multiple of the benchmark interest rate of 4.9%, that is, 5.39%.

Adjust the interest rate of the second home loan, and enjoy a 15% discount on the basis of the first home loan interest rate. The interest rate of the second suite generally rose by 10%, and the down payment ratio was higher. The adjustment of the second home loan interest rate can effectively reduce the bank credit risk. Can reduce the increase in real estate prices.

Calculation formula of interest rate for second-home and second-home loans

1. Calculate the interest by multiplying the cumulative product by the daily interest rate. The interest-bearing formula is: interest = accumulated interest-bearing products × daily interest rate, where accumulated interest-bearing products = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

1 If the interest-bearing period is a whole year (month), the interest-bearing formula is: interest = principal × year (month )× year (month) interest rate;

2 If the interest period has a whole year (month) and a number of days, the interest formula is: interest = principal × year (month )× year (month) interest rate principal × number of days × daily interest rate;

At the same time, banks can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest calculation formula is: interest = principal × actual days × daily interest rate.

3. These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the results will be slightly different. Which formula is used specifically, the central bank gives financial institutions the right to choose independently. Therefore, the parties and financial institutions can agree on this in the contract.

Third, the second suite provident fund loan conditions

1. To apply for a second-home provident fund loan, there must be no housing provident fund loan balance. In other words, those who meet the conditions of the second-home provident fund loan must first settle the first-home provident fund loan when applying for a loan.

2. The down payment ratio shall not be less than 50% (the provisions of provident fund centers vary from place to place).

3. No bad credit record;

4. Have a stable job and income and the ability to repay in full and on time;

5. Other conditions required by the provident fund center.

The interest rate of the second-home provident fund loan is 1. 1 multiple of the benchmark interest rate. Because buying the first house enjoys a great discount, it is normal that the interest rate will be raised appropriately when buying the second suite.