Interest rate of provident fund in 2023: the interest rates of the first suite for less than 5 years (including 5 years) and more than 5 years are 2.6% and 3. 1% respectively, and the interest rates of the second suite for less than 5 years (including 5 years) and more than 5 years are not less than 3.025% and 3.575% respectively.

The adjustment of the general provident fund interest rate is only effective for the first set of self-owned housing, and the second suite is not within the scope of adjustment. Moreover, the interest rate adjustment of the first suite will not take effect immediately. Generally, it will be implemented at the new interest rate after re-pricing, that is, 65438+ 10/0/month, and the monthly payment will change.

The first home provident fund loan is generally judged by the standard of "recognizing the house and not recognizing the loan". As long as the employee's family (including the borrower, spouse and minor children) has no housing registration information in the local area and the provident fund loan has been settled, it can be regarded as the first suite and can be implemented at the interest rate of the first suite.

Matters needing attention in provident fund loans

1. Apply for a loan without provident fund first: According to the policy, employees who have paid the provident fund in full and on time for six months can apply for a housing provident fund loan when buying a house. If the borrower takes the balance of the provident fund to pay the house payment before the loan, it means that he will not apply for the provident fund loan, so don't use the provident fund before applying for the loan.

2. Do not apply for prepayment if the loan is less than one year: According to the relevant provisions of provident fund loans, partial prepayment should be made after repayment 1 year, and the repayment amount should exceed the repayment amount of 6 months. Therefore, if the loan applied for is less than one year, don't apply for prepayment, because if you apply, the bank will charge more liquidated damages.

3. When it is difficult to repay the loan, don't be too reluctant to reduce the solvency within the loan period. When it is difficult to repay the loan, don't support it alone. You can apply to the bank for an extension of the loan period. After investigation by the bank, the bank will accept the application for extending the loan term. However, according to the regulations, the loan term can only be changed once.