1. What is the interest rate on a provident fund personal account?

The money in the provident fund account is not settled with interest every day, but once a year. After the interest is settled, it is all returned to the provident fund account. The housing provident fund accrues interest based on the interest rate from the date it is deposited into the provident fund account. June 30 of each year is the interest settlement date of the housing provident fund. After the interest is settled, the principal and interest are automatically transferred. The interest accrual period is from July 1 of the previous year to June 30 of this year. The deposit interest rate of the provident fund is based on the one-year lump sum time deposit benchmark rate listed by the People's Bank of China on the day of interest settlement. The current annual interest rate is 1.5.

2. How much is the interest on the housing provident fund?

The interest on the provident fund is calculated based on 1.5. Suppose you have a provident fund of 10,000 yuan, then the interest you can get is 100,001.5 = 150 yuan. times, the settlement date is from July 1 to June 30 of the previous year.

What conditions must be met for personal housing provident fund loans? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Formal household registration or valid residence status;

3. Have stable economic income and the ability to have good credit and interest;

4. Pay the housing provident fund normally before borrowing and pay continuously for more than six months ;

5. Be able to provide a valid contract or agreement for the purchase of a self-occupied house;

6. The borrower and the buyer in the house purchase contract must be consistent, and the buyer must have the property rights. (Except for spouse) ***Someone must provide a written commitment to agree to the housing mortgage;

7. Have self-owned funds not less than the value of the purchase of a self-occupied house of more than 30 yuan (more than 40 yuan for a second-hand house);

8. Borrowing

9. When purchasing commercial housing, the developer should provide a periodic guarantee;

10. The borrower agrees to open a loan with the loan undertaking bank Personal account, and agree that the loan sponsoring bank will directly transfer the loan principal and interest from the account every month.

3. How much is the interest on the housing provident fund?

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4. How much is the interest on the provident fund? ?

According to the "Housing Provident Fund Management Regulations", the housing provident fund will accrue interest at the interest rate prescribed by the state from the date it is deposited into the employee housing provident fund account. Interest amount = personal account funds × actual number of days of storage × annual interest rate ÷ 360. According to the relevant regulations of the People's Bank of China, the deposit interest rate of employees' housing provident fund accounts is uniformly based on the one-year time deposit benchmark interest rate (currently 1.50). According to the relevant regulations of the People's Bank of China, the interest settlement date of provident fund is June 30 of each year, and the interest settlement year is from July 1 of the previous year to June 30 of this year.

1. Housing provident fund refers to state agencies and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social groups and Its current employees make equal contributions to long-term housing savings.

2. Starting from July 1, 2017, all housing provident fund management centers across the country will handle the off-site transfer and continuation of housing provident funds through the platform in accordance with the requirements of the "National Operating Procedures for the Transfer and Continuation of Housing Provident Funds in Other Places" issued by the Ministry of Housing and Urban-Rural Development. business. On July 1, 2021, the People's Republic of China and the Ministry of Housing and Urban-Rural Development determined the national housing provident fund service logo and decided to activate it from now on.

3. Nature

(1) Security: The establishment of a housing provident fund system for employees provides a guarantee for employees to solve their housing problems quickly and better;

(2) Mutual assistance. The establishment of a housing provident fund system can effectively establish and form a mechanism and channel for workers with housing to help workers without housing. The housing provident fund provides financial help to workers without housing, which reflects the mutual assistance of the housing provident fund for employees.

(3) Long-term, every urban employee must pay personal housing provident fund from the date he joins the work to the time he retires or terminates the labor relationship; the unit where the employee works must also pay the personal housing provident fund; Pay housing provident fund for employee subsidies as required