1 to 5 years (including 5 years) 4.45%

5 to 30 years old, 4.9%

Remarks: The interest rate is determined according to the number of sets, down payment and income.

Conditions for applying for housing provident fund loans

1. The lender must have permanent residence or valid residence status in this city;

2. Push forward from the date of application, and pay the housing provident fund in full for more than 2 months (if both husband and wife pay the provident fund, only one person is allowed to borrow);

3. There are contracts (agreements) and related materials for purchasing houses, building houses and overhauling self-occupied houses according to law;

4. There is a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total house price (for the purchase of second-hand houses or the construction and overhaul of houses, the self-raised funds shall not be less than 30% of the total house price);

5. Have a stable economic income and the ability to repay the loan principal and interest (monthly income certificate issued by the unit);

6. Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.