The interest rate of housing provident fund loans shall be subject to the interest rate of individual housing provident fund loans announced by the People's Bank of China. At present,
When purchasing the first family house, the loan interest rate of housing provident fund is: 1-5 years (inclusive), the annual loan interest rate is 2.75%, and the annual loan interest rate is 3.25% for 6-30 years; If you buy a second family house, the interest rate of the housing provident fund loan is 1. 1 times the interest rate of the first home loan in the same period, that is, the annual interest rate of 1-5 years (inclusive) is 3.025%; The annual interest rate for 6-30 years is 3.575%.
Download the "mobile phone provident fund" APP, you can withdraw the provident fund anytime and anywhere with your mobile phone, and you can also inquire about the public balance, loan repayment, provident fund city service outlets and the latest policy trends.
2. What is the interest rate of public loans?
Hello, at present, the annual interest rate of provident fund loans for less than five years (inclusive) is 4%, and for more than five years it is 4.5%.
3. What is the interest rate for provident fund loans?
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, and the annual interest rate of individual housing provident fund deposits is: paid in the current year and carried forward from the previous year to:1.5%; 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. Provident fund loans refer to individual provident fund loans, which are provident funds paid by employees who apply for individual provident fund loans by provident fund management offices all over the country, and mortgage loans issued to housing provident fund depositors who buy, build, demolish and repair their own houses and retired employees who pay provident funds during their working life. The above is the interest rate of housing provident fund. How can the provident fund be used to borrow money to buy a house? Users can prepare personal identity documents, provident fund co-branded cards, purchase agreements signed with real estate developers, down payment receipts, residence permits (household registration books or temporary residence permits), personal income certificates (such as bank accounts and salary slips) and other related materials, and go to the business outlets of local provident fund management offices to find staff to explicitly apply for loans. After receiving the application form and filling it out, the user will submit the report together with relevant materials, and then they can try it out. After the trial, the management office will conduct examination and approval according to the material information provided by the user, and an evaluation agency will evaluate the value of the house. After the approval is passed, the user will be informed. Users who receive the approval notice sign loan contracts at business outlets within the promised time, and go through mortgage and other related procedures at the real estate management bureau, and then the bank will issue loan funds. Generally, it takes about two to three months from the user submitting the loan application to issuing the loan funds. Of course, if the bank encounters a shortage of funds and so on, it may take longer to approve and lend money.
4. What's the current interest on provident fund loans?
1, with a maximum term of 30 years.
The benchmark interest rate of provident fund loans for more than 2.5 years is 3.87% per year. I don't know if you are the first suite. Do you enjoy a 15% discount? Repay the principal and interest in equal amount according to the benchmark interest rate, with monthly repayment of 1 174.88 (yuan), and total repayment of interest of172,956.02 yuan.
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