(a) the implementation of the first home provident fund loan policy, the loan interest rate is the statutory provident fund loan interest rate for the same period;

(2) If the second set of housing provident fund loan policy is implemented, the loan interest rate is 1. 1 times the loan interest rate of the first home provident fund in the same period.

In case of legal interest rate adjustment during the loan repayment period, it shall be handled according to the relevant regulations of the People's Bank of China.

(1) If the loan term is 65,438+0 years, interest will not be calculated in installments;

(2) If the loan term exceeds 1 year, the new interest rate regulations shall be implemented according to the corresponding interest rate grades from 1 of the following year.

When the loan applicant can't fully meet the loan demand, he can also apply to the loan bank for commercial personal housing loans, that is, portfolio loans.

Commercial individual housing loans and provident fund loans in portfolio loans are approved by the loan bank and Chengdu Provident Fund Center respectively, and the loan term and repayment method are the same. Portfolio loans are subject to the corresponding statutory interest rate according to the source of funds. The guarantee of portfolio loans should adopt the same guarantee method and set the same collateral.

Tips: WeChat search Chengdu local treasure, official account of WeChat. After paying attention, reply in the dialog box to the loan amount and repayment calculator of the provident fund, the entrance and handling guide of the provident fund withdrawal loan, and the latest policy.

Chengdu provident fund loan interest rate

Chengdu provident fund loan interest rate: 5-year loan interest rate: 2.75%, 5-year loan interest rate: 3.25%.

Chengdu provident fund loan amount: the maximum amount of a single housing provident fund loan in Chengdu Housing Provident Fund Management Base is 600,000 yuan. The calculation formula of single loanable amount is: the sum of the normal deposit balance of housing provident fund in the last month when the lender (including 1 lender) applies for a loan is 30 (times). The normal deposit balance of the lender's housing provident fund is based on the Chengdu provident fund base, and the illegally remitted housing provident fund is not included in the normal deposit balance. (Under the conditions of meeting the repayment-to-income ratio, credit reporting and other rules, a loan applicant with a deposit balance of less than 6,543.8+0,000 yuan can, in principle, borrow up to 300,000 yuan, regardless of the balance-linked multiple).

How to borrow housing provident fund?

(1) loan terms

The borrower shall meet the following conditions:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6, in line with the provisions of the client on the deposit conditions of the loan housing provident fund;

7. Provide customer-recognized guarantee;

8. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

9. Meet other conditions stipulated by the client.

Housing provident fund loan applicants must meet the above conditions, and housing provident fund depositors must meet one of the following three conditions:

1. Loan applicants who purchase policy-oriented housing approved by government departments should, in principle, establish a housing provident fund account for more than 12 months (inclusive), and pay the housing provident fund in full and continuously for 6 months before applying for a loan, and they are in the state of payment when applying for a loan.

2. Borrowing applicants who purchase non-policy housing should, in principle, continuously deposit the housing provident fund 12 months in full before applying for loans, and be in the state of deposit when applying for loans.

3. The loan applicant is a retired employee who has paid the housing provident fund during his employment.

Loan materials

Materials required for mortgage loan of commercial housing housing provident fund:

1. The borrower and the original and photocopy of the borrower's resident identity card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;

2. Proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);

3. Legal commercial housing purchase contract or agreement;

4. Personal credit certificate provided by the borrower and the borrower's unit;

5. Effective proof that the borrower has paid not less than 30% of the purchase price;

6. Effective guarantee certificate;

7. The auction property of housing provident fund loan must be the property that the developer has signed a mortgage agreement with the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.

What are the interest rates of Chengdu provident fund credit loans?

Provident fund loan interest rate

First suite: 2.6% for less than 5 years (including 5 years) and 3. 1% for more than 5 years.

Second suite: 3.025% for less than five years (including five years) and 3.575% for more than five years.

commercial loan interest rate

Less than 5 years (including 5 years): 3.65%

More than 5 years: 4.30%

According to the latest news, the People's Bank of China has decided to reduce the interest rate of the first individual housing provident fund loan by 0. 15 percentage points 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 second set of personal housing provident fund loan interest rate policy 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.

At present, according to the information of Chengdu Housing Provident Fund Management Center, the interest rate of individual housing provident fund loans has been adjusted.

According to the Notice of Chengdu Housing Provident Fund Management Center on Adjusting the Relevant Provisions of Provident Fund Loans on June 2, the new loan policy

First, adjust the minimum down payment ratio.

If you apply for a provident fund loan for the first time, the minimum down payment ratio will be adjusted from 30% to 20%; If you buy a second house and apply for a provident fund loan, the minimum down payment ratio will be adjusted from 40% to 30%.

In case of overdue need to increase the minimum down payment ratio, it shall still be implemented according to the original regulations.

Second, adjust the maximum mortgage interest rate.

If the housing value is used for mortgage, the proportion of the loan amount not exceeding the value of the collateral will be adjusted from 70% to 80%.

This concludes the introduction of Chengdu's provident fund loan interest rate and Chengdu's provident fund loan interest rate calculator. I wonder if you found the information you need from it?