The personal housing loan interest rate of housing provident fund shall be implemented in accordance with the provisions of the People's Bank of China, and adjusted with the interest rate adjustment of the People's Bank of China.

The first suite:

Interest rate of provident fund loans for less than five years: 2.6%;

Interest rate for loans over five years: 3. 1%.

The second suite:

Interest rate of provident fund loans for less than five years: 3.025%;

Interest rate for loans over five years: 3.575%.

note:

The first individual housing provident fund loan issued before June 65438+1 October12022: if the loan term is less than one year, the original contract interest rate will still be implemented; If the loan term is more than one year, the original contract interest rate will still be implemented before June 65438+ 10/in 2023, and the adjusted interest rate will be implemented from June 65438+1 0/in 2023.

Second, the amount of Chongqing provident fund loans

Loanable amount

Housing provident fund personal housing loan personal loan amount is 25 times of the balance of the housing provident fund account, with a maximum amount of 500,000 yuan for individuals and 600,000 yuan for employees with many children;

The loanable amount of both husband and wife participating in the loan is calculated by adding the loanable amount of employees and their spouses, and the total amount of a single housing provident fund loan does not exceed 6,543,800 yuan; Couples who have many children to participate in the loan shall not pay more than 6,543,800 yuan+0.2 million yuan for their employees' family loans.

Loan percentage

If the employee's family deposits the employee to purchase the first set of housing, the maximum loan ratio of the housing provident fund personal housing loan is 80% of the value of the purchased housing;

If the employee's family is paid to buy a second house, the maximum loan ratio of the housing provident fund personal housing loan is 70% of the value of the house purchased, and the maximum loan ratio of the employee's family with many children is 75% of the value of the house purchased.