According to the decision of the People's Bank of China, the interest rate of the first individual housing provident fund loan will be lowered by 0. 10 by 5 percentage points from June, 2022. Therefore, the interest rate of the first home provident fund loan is adjusted to 2.6% for less than 5 years (including 5 years) and 3. 1% for more than 5 years.

What is the interest rate of the first provident fund loan?

First, the interest rate of the first personal housing provident fund loan for five years (including five years) will be lowered from the current 2.75% to 2.6%, and from the current 3.25% to 3. 1%. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rate of loans for five years or less is 3.025%, and the interest rate of loans for five years or more is 3.575%.

II. For individual housing provident fund loans issued before June 65438+ 10/in 2022, the new interest rate standard will be implemented from June 65438+1 0/in 2023.

3. All management departments will return the first set of personal housing provident fund loans accepted but not issued before June 65438+1 October12022 to the state of adjustable interest rate, and submit them for review after repositioning according to the requirements of this notice.

4. For the loan with adjusted interest rate, it is necessary to reprint the loan approval form and the specially signed contract, involving interest rate and monthly repayment amount.

5. The vacant amount of the first housing provident fund individual housing mortgage lease letter applied after June 65438+1October 65438+1October 2022 shall be subject to the adjusted interest rate.

What is the interest rate of the first housing provident fund loan?

The first set of provident fund loans:

1, the loan term is less than five years (including five years) and the interest rate is 2.75%;

2. The loan term is more than five years and the interest rate is 3.25.

What is the interest rate of the first home loan of provident fund?

The interest rate of the first home provident fund loan is 3.25%. At present, provident fund loans are still fixed interest rates and are not linked to LPR. Compared with commercial loans, the interest rate of provident fund loans does have some advantages, which can save interest expenses for lenders.

However, if you want to apply for provident fund loans, you need lenders to meet a series of loan requirements. Except that the lender has income to repay the loan and there is no problem with the credit investigation, the customer's provident fund account status should be normal and meet the requirements of the provident fund center.

The amount of provident fund loan that customers can apply for is related to the balance of the provident fund account, which is generally 10-20 times of the balance of the provident fund account. There are differences in provident fund loan policies in different regions. Customers can consult the local provident fund center.

After the provident fund loan is issued, customers should remember to repay on time to avoid overdue. Once it is overdue, it will affect the credit investigation and calculate the penalty interest. If the overdue times exceed the prescribed limit, the provident fund center has the right to terminate the loan contract in advance.

What is the interest rate of the first provident fund housing loan?

From June 65438+1 October1day, 2022, the interest rate of the first individual housing provident fund loan was lowered by 0. 15 percentage point, and the interest rates for less than five years (including five years) and more than five years were adjusted to 2.6% and 3. 1% respectively.

The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.

What is the interest rate of the first home provident fund loan?

According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is: 1, and the annual interest rate of individual housing provident fund deposits is: paid in the current year and carried forward from the previous year to:1.5%; 2. Personal housing provident fund loan: the annual interest rate is 2.75% for less than five years (including five years) and 3.25% for more than five years. Provident fund loans refer to individual provident fund loans, which are provident funds paid by employees who apply for individual provident fund loans by provident fund management offices all over the country, and mortgage loans issued to housing provident fund depositors who buy, build, demolish and repair their own houses and retired employees who pay provident funds during their working life. The above is the interest rate of housing provident fund. How can the provident fund be used to borrow money to buy a house? Users can prepare personal identity documents, provident fund co-branded cards, purchase agreements signed with real estate developers, down payment receipts, residence permits (household registration books or temporary residence permits), personal income certificates (such as bank accounts and salary slips) and other related materials, and go to the business outlets of local provident fund management offices to find staff to explicitly apply for loans. After receiving the application form and filling it out, the user submits the report together with relevant materials, and then can try it out. After the trial, the management office will conduct examination and approval according to the material information provided by the user, and an evaluation agency will evaluate the value of the house. After the approval is passed, the user will be informed. Users who receive the approval notice sign loan contracts at business outlets within the promised time, and go through mortgage and other related procedures at the real estate management bureau, and then the bank will issue loan funds. It takes about two to three months from the time when the user submits the loan application to the time when the loan funds are distributed to the account. Of course, if the bank encounters a shortage of funds and so on, it may take longer to approve and lend money.

The introduction of the first set of provident fund loan interest rates and the first set of provident fund loan interest rates ended here. I wonder if you have found the information you need?