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the benchmark annual interest rate of housing provident fund loans for more than five years is 3.25%. Some banks give preferential interest rates to buyers when they buy the first suite. 2.78% is the implementation interest rate after the discount. Specific to a property buyer, the loan interest is calculated according to the actual annual interest rate. Or maybe 3.25 is the annual interest rate, and 2.78 is the monthly interest rate < P > 1: What is the provident fund loan < P > Provident fund loan refers to the loan enjoyed by employees who have paid the housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

employees who have paid the housing provident fund for a certain period according to regulations (the period varies from city to city, for example, it is more than 12 months in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

1. loan introduction

provident fund loan refers to individual housing provident fund loan, which is a housing mortgage loan issued by local housing provident fund management centers to commercial banks by using the housing provident fund paid by employees who apply for provident fund loans to purchase, build, renovate or overhaul self-occupied houses and retired employees who paid housing provident fund during their employment. In accordance with the provisions, employees who have paid the housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha for more than 12 months) may apply for provident fund loans when the funds for the purchase, construction, renovation and overhaul of their own houses are insufficient.

The loan conditions are as follows: the employees in the unit have signed labor contracts for more than three years (or signed one-year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit for more than a certain period of time; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle housing mortgage registration and insurance; Provide the guarantee method agreed by the local housing fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as purchase contract or house pre-sale contract, house property certificate, land use certificate, proof of deposit of provident fund, etc.

2. loan conditions

1. only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. Those who participate in the housing provident fund system must also meet the following conditions in order to apply for housing provident fund personal housing loan: that is, the housing provident fund has been continuously paid for at least six months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it shows that his income is unstable and he is prone to risks after issuing loans.

3. One spouse has applied for a housing provident fund loan, and neither spouse can get another housing provident fund loan before paying off the principal and interest of the loan. Because, the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of employees' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other debts that have not been paid off and may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is very risky to give housing provident fund loans, which violates the principle of safe operation of housing provident fund.

5. The maximum term of provident fund loan shall not exceed 3 years. For portfolio loans, the loan terms of provident fund loans and commercial housing loans must be the same.

III: Loan interest rate and duration

Loan interest rate:

The annual interest rate for less than five years is 2.75%;

the annual interest rate for more than five years is 3.25%.

loan period:

generally speaking, the loan period of housing provident fund shall not exceed the period from the date of entrusted loan issuance to the legal retirement age of the borrower, and the longest period shall not exceed 3 years.