The interest rate of Shanghai provident fund loan is determined according to the loan term, which is more than five years, and the interest rate of housing provident fund loan is 3.25%. If the loan period is less than five years, the loan interest rate of housing provident fund is 2.75%.
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
The definition of housing provident fund includes the following five aspects:
1, the housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas;
2. Only on-the-job employees can establish the housing accumulation fund system. Urban unemployed residents and retired workers do not implement the housing provident fund system;
3, housing provident fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the individual employee;
4. The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid uninterrupted during their employment;
5. Housing provident fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: first, it is cumulative, that is, housing provident fund is not part of employees' wages, and it is not distributed in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented. The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage.
"Regulations on the Management of Housing Provident Fund" Article 20 Units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid. Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.
Twenty-first housing provident fund from the date of deposit in the employee housing provident fund account, according to the interest rate prescribed by the state.
Second, the Shanghai provident fund loan interest rate
Shanghai provident fund loan interest rate is determined according to the loan period. The loan period is more than five years, and the loan interest rate of housing provident fund is 3.25%; If the loan period is less than five years, the loan interest rate of housing provident fund is 2.75%.
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
3. How much can Shanghai Provident Fund borrow in six months?
You can get a loan of 300,000 yuan if you pay the provident fund for more than six months and 5,000 yuan, and 400,000 yuan if you have a supplementary provident fund, depending on how much you pay each month. If 200 yuan is the least in Shanghai, it can only borrow about 200,000 yuan.
1. Different banks and cities have different application conditions and loan quotas for provident fund loans. Whether the loan can be approved successfully, the loan amount is evaluated according to your comprehensive qualification, and the actual approval result of the loan handling bank shall prevail.
2. If Ping An Bank applies for provident fund loans in Shenzhen, it shall be 12 times the balance of the applicant and the applicant's housing provident fund account, and meet the following requirements:
① The monthly repayment amount (the principal and interest calculated by the matching principal and interest repayment method) shall not exceed 50% of the deposit base of the applicant's housing provident fund. If there are * * * applicants and * * * applicants who have paid the housing provident fund in this city, the deposit base of the housing provident fund is the sum of the deposit base of the applicant and himself.
② Not higher than the difference between the total purchase price and the down payment. The down payment ratio shall not be lower than the down payment ratio stipulated by the state. If the purchased house is a stock commercial house (second-hand house), the applicant shall entrust a real estate appraisal institution recognized by the Provident Fund Center to conduct a value appraisal, and take the low value of the contract price and the appraisal price as the total purchase price. The assessment fee shall be borne by the applicant.
③ Not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city.
(4) If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loanable amount of the housing provident fund loan calculated according to the multiple of the balance of the housing provident fund account may be increased by 10%, but other conditions stipulated in the preceding paragraph shall be met.
⑤ When the loanable amount of the provident fund loan is insufficient to pay for the house purchase, employees can apply to the entrusted bank for commercial housing loans, which will be distributed to employees in the form of combined provident fund loans (a combination of provident fund loans and commercial housing loans).
4. What is the interest rate of Shanghai provident fund loan?
Shanghai provident fund loan interest rate is determined according to the loan period. For more than five years, the housing provident fund loan interest rate is 3.25%; Less than five years, the housing provident fund loan interest rate is 2.75%. In addition, the interest rate of Shanghai provident fund loan is also related to the number of people participating in the loan and the type of house purchased. 1. 1 People who buy the first suite participate in the loan. The housing accumulation fund can be lent 500,000 yuan, the supplementary accumulation fund can be lent 1 10,000 yuan, and the maximum loan can be 600,000 yuan. If more than two people participate in the loan, the housing accumulation fund can be loaned by 6,543.8+0,000 yuan, the supplementary accumulation fund can be loaned by 200,000 yuan, and the comprehensive maximum loan can be 6,543.8+0.2 million yuan. If you buy a second set of improved housing, 1 person can participate in the loan, and the housing accumulation fund can be loaned by 400,000 yuan, and the supplementary accumulation fund can be loaned by 65,438+million yuan, with a maximum loan of 500,000 yuan. If more than two people participate in the loan, the housing accumulation fund can be loaned 800,000 yuan, the supplementary accumulation fund can be loaned 200,000 yuan, and the comprehensive maximum loan can be 6,543.8+0,000 yuan.