According to the 2022 People's Bank of China provident fund loan interest rate table, the provident fund interest rate is: 1. Personal housing provident fund deposits: The annual interest rate for deposits in the current year and carryover from the previous year is 1.5%; 2. Personal housing provident fund loans: less than five years (including five years)

year) the annual interest rate is 2.75%, and the annual interest rate for more than five years is 3.25%.

Provident fund loans refer to personal provident fund loans. Provident fund management offices across the country use the provident funds paid by employees who apply for individual provident fund loans to entrust commercial banks to provide housing provident fund depositors and depositors who purchase, build, demolish, and repair self-occupied houses.

House mortgage loans distributed to retired employees who have paid provident funds during their employment period.

The above is the relevant content about the housing provident fund interest rate in 2022.

How to get a provident fund loan? Provident funds can be used for loans to buy houses. Users must prepare personal identification documents, provident fund co-branded cards, house purchase agreements signed with real estate developers, down payment receipts, residence certificates (household registration books or temporary residence certificates), and personal income.

Just go to the local Provident Fund Management Office branch to find a staff member to apply for a loan if you need proof (such as bank statements, salary slips) and other relevant information.

After the user receives the application form and fills it out, he or she can submit the report and related materials together and then wait for review.

After review, the management office will review and approve the property based on the material information provided by the user, and an assessment agency will assess the value of the house.

Once approved, the user will be notified.

After receiving the approval notice, the user will go to the business outlet to sign the loan contract within the promised time, and go to the Real Estate Administration Bureau to handle mortgage and other related procedures, after which the bank will distribute the loan funds.

Generally, it will take about two to three months from the time the user submits the loan application to the time the loan funds are distributed.

Of course, if the bank encounters a shortage of funds and delays in approval and loan disbursement, it may take longer.