The provident fund loan interest rate is about 3.2%.

The conditions for housing provident fund loans are: employees with permanent residence or valid residence identity certificate in the local administrative area; assets recognized by the provident fund center as mortgage or pledge, or a unit with sufficient repayment capacity as a guarantor; and a contract to purchase a house.

or agreement, and the down payment amount is not less than 30% of the value of the house purchased; has a relatively stable professional and economic income, has the corresponding loan repayment ability, and has good personal credit; other conditions stipulated by the Provident Fund Center; and has been in continuous employment at the time of application

The housing provident fund has been paid and deposited normally for more than one year, and the provident fund has not been withdrawn to pay for the down payment of the house purchase, and there is no provident fund loan balance.

Extended information: The provident fund loan interest rate was adjusted and implemented on October 24, 2015. The provident fund loan interest rate for more than five years is 3.25%, and the monthly interest rate is 3.25%/12. The provident fund loan interest rate for five years and below is an annual interest rate of 2.75%.

Same.

Commercial loans: (1) The loan interest rate is related to the purpose of the loan, the nature of the loan, the loan term, the loan policy, different lending banks, etc.

The state stipulates the benchmark interest rate, and each bank determines the differential loan interest rate based on various factors, that is, it floats up or down based on the basic interest rate.

The current benchmark interest rate was adjusted and implemented on July 6, 2012. The types and annual interest rates are as follows: ① Short-term loans for six months (inclusive) 5.6%; ② Six months to one year (inclusive) 6%; ③ One to three years

(inclusive) 6.15%; ④ three to five years (inclusive) 6.4%; ⑤ more than five years 6.55%.

(2) The bank loan interest rate is based on a comprehensive evaluation of the credit situation of the loan. The loan interest rate level is determined based on the credit situation, collateral, national policies (whether it is the first home), etc. If the evaluation is good in all aspects, it will be implemented by different banks.

Mortgage interest rates vary. In 2011, due to financial constraints and other reasons, some banks set first-time home loan interest rates at 1.1 times or 1.05 times the benchmark interest rate.

Since 2012, most banks have adjusted first-time home interest rates to benchmark interest rates.

In early April, banks began to implement preferential interest rates for first home loans.

The maximum discount on interest rates of some banks can reach 15% off.

The interest rate after a 15% discount for a term of more than five years is 6.55%*0.85=5.5675%. It has been tightened since the third quarter and early 2013 due to tight capital supply and insufficient credit funds.

The interest rate for a first-time home is generally between the base interest rate and 15% off.