The housing provident fund loan interest rates are as follows: 1. Starting from October 1, 2022, the annual interest rate of the first individual housing provident fund loan for less than 5 years (including 5 years) will be reduced from 2.75% to 2.6%, and for more than 5 years will be reduced from 3.25% to 3.1

%.

2. The interest rate of the provident fund loan for the second personal housing remains unchanged at 3.025% for a term of less than five years and 3.575% for a term of more than five years.

3. The housing provident fund loan interest rate also varies according to the loan period. Specifically, the interest rate is 2.75% within six months (including 6 months), and the interest rate is 2.75% between six months and one year (including 1 year).

The interest rate for one to three years (including three years) is 2.75%, the interest rate for three to five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%.

4. The interest rate of medium and long-term loans (with a term of more than one year) is fixed for one year. The interest is calculated according to the statutory loan interest rate of the corresponding grade on the effective date of the loan contract. After each year, the interest rate is determined according to the statutory loan interest rate of the corresponding grade at that time.

One year interest rate.

Conditions for applying for a housing provident fund loan: 1. The applicant must be an employee participating in the housing provident fund system; 2. The period of continuous payment of the housing provident fund for no less than six months before applying for a loan; 3. The applicant and his or her spouse must have paid off their housing before

You cannot apply for a housing provident fund loan again before the principal and interest of the provident fund loan has been paid; 4. The applicant must have a stable economic income and the ability to repay the loan, and have no outstanding debts that affect the repayment ability; 5. The maximum term of the provident fund loan shall not exceed 30 years.

If applying for a combination loan, the term of the provident fund loan and the commercial housing loan must be consistent; 6. The applicant has full civil capacity; 7. The provident fund loan is used to purchase, construct, renovate, and overhaul self-occupied housing; 8. Provide corresponding guarantees

; 9. The applicant has good personal credit.

To sum up, starting from October 1, 2022, the housing provident fund loan interest rate has been adjusted.

The annual interest rate of the provident fund loan for the first personal housing will be reduced to 2.6% for less than 5 years, and to 3.1% for more than 5 years.

The second personal housing provident fund loan interest rate remains unchanged.

In addition, different loan terms will also affect the interest rate, and the interest rate for medium and long-term loans is calculated based on the legal loan interest rate on the effective date of the contract.

To apply for a housing provident fund loan, you need to meet a series of conditions, including employee status participating in the housing provident fund system, continuous payment of housing provident fund for no less than six months, stable economic income and repayment ability, etc.

Legal basis: Article 6 of the "Housing Provident Fund Management Regulations" stipulates that the interest rates for deposits and loans of housing provident funds shall be proposed by the People's Bank of China, and shall be submitted to the State Council for approval after soliciting the opinions of the construction administrative department of the State Council.