First, the interest rate of the first set of individual housing provident fund loans will be reduced from the current 2.75% to 2.6% for five years (including five years), and from the current 3.25% to 3.1% for five years. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the loan interest rate for a five-year period (including five years) or less is 3.25%, and the loan interest rate for a five-year period or more is 3.575%.

second, the individual housing provident fund loans that have been issued before October 1, 222 will be subject to the new interest rate standard from January 1, 223.

3. The management departments will refund the first set of personal housing provident fund loans that have been accepted but not issued before October 1, 222 to the state where the interest rate can be adjusted, and then submit them for review after readjusting their positions according to the requirements of this notice.

iv. for the loan whose interest rate has been readjusted, it is necessary to reprint the parts concerning interest rate and monthly repayment amount in the Loan Approval Form and the Special Signing Treaty.

5. the vacant amount of the first housing provident fund personal housing mortgage rental book applied after October 1, 222 shall be implemented according to the adjusted interest rate.