Civil servants generally take the provident fund as their credit, with interest of about 3%, interest first and capital later, and repayment of more than 600 yuan per month. Matching principal and interest repayment, more than 6 100 per month if it is divided into three years, and about 4,000 per month if it is divided into five years.
Civil servant provident fund loan interest rate for buying houses
3.25%。
Civil servants can buy a house through provident fund loans, and the interest rate of provident fund loans is divided into benchmark interest rate and personal credit rating interest rate. The benchmark interest rate is set by the People's Bank of China and currently stands at 3.25%. The interest rate of personal credit rating depends on the borrower's credit status, which is generally slightly higher than the benchmark interest rate.
Civil servants, known as national civil servants, are public officials who are responsible for the overall management of economic and social order and national public resources, safeguarding national laws and regulations, and fulfilling relevant obligations.
How much is the interest on the civil servant decoration loan?
The interest on the renovation loan of civil servants' housing provident fund is 2%.
People who have renovation needs and are paying provident fund can apply for provident fund renovation loans, and the interest rate is implemented according to the benchmark interest rate stipulated by the central bank. The loan term is within 5 years (inclusive) and the interest rate is 2.75%; The loan term is more than 5 years and the interest rate is 3.25%.
Housing accumulation fund refers to the long-term housing savings paid by state organs 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 organizations and their employees.
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