1. If it is a provident fund for more than five years, the loan interest rate is 3.25% and the monthly interest rate is 3.25%;

2. If it is a provident fund for five years or less, the loan interest rate is 2.75% per annum;

3. It should be noted that the loan amount of housing provident fund is generally 14 times of the balance of the provident fund account for calculating the loanable amount, and the loan amount of housing provident fund is not higher than the difference between the total purchase price and the down payment.

20 15, 10 adjust and implement the current provident fund loan interest rate. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the interest rate of provident fund loans for five years and less is 2.75% per annum.

The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.

1. The basic formula for calculating the interest rate of provident fund loans is: [(total monthly salary of the borrower+monthly contribution of the housing provident fund of the borrower's unit) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loans ]× loan period (month).

2. The calculation formula of provident fund loan based on house price is: loan amount = house price × loan ratio. Among them, the loan proportion is determined according to different types. Generally speaking, if the building area is more than 90 square meters, the loan amount shall not exceed 70% of the purchase price; If the construction area is less than 90 square meters, the loan amount shall not exceed 80% of the purchase price.

: 20 15,101October 24th, the interest rate of provident fund loans will be adjusted. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the interest rate of provident fund loans for five years and less is 2.75% per annum.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.