1. Since June, 2022, the annual interest rate of the first individual housing provident fund loan for less than five years (including five years) has dropped from 2.75% to 2.6%, and from 3.25% to 3. 1% for more than five years.

2. The interest rate of the second set of personal housing provident fund loans remains unchanged, which is 3.025% for less than five years and 3.575% for more than five years.

3. The interest rate of housing provident fund loans also varies according to the loan term, specifically: within six months (including six months), the interest rate is 2.75%, from six months to one year (including 1 year), from one year to three years (including three years) and from three years to five years (including five years).

4. The interest rate of medium and long-term loans (with a term of more than one year) is fixed at one year, and the interest is calculated according to the legal loan interest rate of the corresponding grade on the effective date of the loan contract. After each full year, the interest rate for the next year shall be determined according to the legal loan interest rate of the corresponding grade at that time.

Conditions for applying for housing provident fund loans:

1. The applicant must be an employee who participates in the housing provident fund system;

2, apply for a loan before continuous housing provident fund deposit time of not less than six months;

3. Applicants and their spouses may not apply for housing provident fund loans again before paying off the principal and interest of housing provident fund loans;

4. The applicant must have a stable economic income and the ability to repay the loan, and there is no outstanding debt that affects the repayment ability;

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the term of provident fund loans and commercial housing loans must be the same;

6. The applicant has full capacity for civil conduct;

7, provident fund loans for the purchase, construction, renovation, overhaul occupied housing;

8. Provide corresponding guarantee;

9. The applicant has good personal credit information.

To sum up, from June 65438+1 October1day, 2022, the interest rate of housing provident fund loans will be adjusted. The annual interest rate of the first individual housing provident fund loan decreased to 2.6% in less than five years, and to 3. 1% in more than five years. The interest rate of the second set of individual housing provident fund loans remains unchanged. In addition, different loan terms will also affect the interest rate, while the interest rate of medium and long-term loans is calculated according to the legal loan interest rate on the effective date of the contract. To apply for housing provident fund loans, you need to meet a series of conditions, including the status of employees participating in the housing provident fund system, continuous deposit of housing provident fund for not less than six months, stable economic income and repayment ability.

Legal basis:

Regulations on the administration of housing provident fund

Article 6

The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.