Hello, the current interest rate of provident fund is 2.75% for less than five years and 3.25% for more than five years.

Materials required for housing provident fund loans:

1. Household registration book of the borrower and his spouse;

2. Resident identity cards of borrowers and their spouses;

3. Proof of the marital status of the borrower;

4. Proof of down payment for house purchase;

5. The credit status report of the borrower and his spouse printed by the bank;

6. Housing sales contracts or agreements that meet the legal requirements.

Housing provident fund handling conditions:

1. Individuals and their units must pay the housing accumulation fund continuously for one year;

2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Housing accumulation fund handling process:

1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;

2. After receiving the application, the loan bank shall confirm and review the information;

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.

Please refer to the above answers provided by Ronglian Ye Wei.

Two. Harbin: The interest rate of the first personal provident fund loan is lowered by 0. 15%.

65438+ 10/0 According to local media reports, since 65438+10/,Harbin has lowered the interest rate of the first individual housing provident fund loan.

Specifically, after the interest rate of the first individual housing provident fund loan is lowered by 0. 15 percentage point, the interest rates for less than 5 years (including 5 years) and more than 5 years are adjusted to 2.6% and 3.1%respectively; The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years are 3.025% and 3.575% respectively.

It is understood that the first set of personal housing provident fund loans accepted before 10 1 shall be implemented at the adjusted interest rate; For the first individual housing provident fund loan issued before June 65438+ 10/(excluding), the original interest rate will be implemented this year, and the adjusted interest rate will be implemented from June 65438+1 0/in 2023.

According to previous reports, on the eve of the 11th holiday, the central bank announced that the interest rate of the first set of personal housing provident fund loans would be lowered by 0. 1 5 percentage point from June 65438+ 10/,and the interest rates for less than five years (including five years) and more than five years would be adjusted to 2.6% and 3. 1% respectively. Subsequently, a number of housing provident fund management centers responded positively and lowered the interest rate of the first home provident fund loan.

3. What is the latest interest rate of Harbin provident fund loan?

The current interest rate of provident fund loans was adjusted and implemented on 20 15, 15124 October. The annual interest rate of provident fund loans for more than five years is 3.25%, and the interest rate of provident fund loans for five years and less is 5%, which is consistent throughout the country.

Provident fund loans refer to loans enjoyed by employees. According to the national regulations, all employees who have paid the provident fund can be executed in accordance with the relevant provisions of the provident fund loan.

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1 is the ability;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income and credit ability;

4. Housing provident fund should be paid normally before borrowing, and

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. The borrower and the * * * owner (except the spouse) must issue a certificate of consent to the mortgage of the house.

7. Own funds with no less than 40% of the second-hand house purchase price;

8. borrowing money;

9, the purchase of commercial housing, should be reported to the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

4. What is the latest interest rate of Harbin Provident Fund?

1, the interest rate of the first home loan:12.6% for ~ 5 years (inclusive); More than five years 3. 1%

2. Second housing loan 1~5 years (including 5 years) and 3.025%; 3.575% of the people's bank of China for more than five years decided to reduce the interest rate of the first individual housing provident fund loan by 0. 15 percentage point from June, 2022, and adjust the interest rates for less than five years (including five years) and more than five years to 2.6% and 3. 1% respectively. The interest rate of the second set of personal housing provident fund loans 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.