1. What is the interest rate of provident fund loans in Dalian?

1. The provident fund loan for the first home is the central bank’s benchmark interest rate. The interest rate for five years and below is 2.75, and the interest rate for more than five years is 3.25.

2. Provident fund loans for second homes will increase by 1.10 times the central bank’s benchmark interest rate. The interest rate for five years and below is 3.03, and the interest rate for more than five years is 3.58.

II. Dalian Provident Fund Loan Policy 2022

The maximum loan limit for individual housing provident funds is adjusted as follows: 1. Municipal level (Zhongshan District, Xigang District, Shahekou District, Ganjingzi District, High-tech Park) the maximum loan limit is adjusted to 450,000 yuan for a single person and 800,000 yuan for a couple; 2. The maximum loan limit in other areas is adjusted to 400,000 yuan for a single person and 670,000 yuan for a couple. Dynamic adjustment mechanism for the maximum amount of personal housing provident fund loans in Dalian City 1. When the fund utilization rate is greater than or equal to 100, the city level is 350,000 yuan for a single person and 630,000 yuan for a couple; in other areas, it is 300,000 yuan for a single person and 520,000 yuan for a couple. 2. When the fund utilization rate is less than 100 and greater than or equal to 90, the city level is 400,000 yuan for a single person and 700,000 yuan for a double person; in other areas, the single person is 330,000 yuan and the double person is 580,000 yuan. 3. When the fund utilization rate is less than 90 and greater than or equal to 85, the city level is 450,000 yuan for a single person and 800,000 yuan for a double person; in other areas, the single person is 400,000 yuan and the double person is 670,000 yuan. 4. When the fund utilization rate is less than 85, the municipal level is 500,000 yuan for a single person and 900,000 yuan for a double person; in other areas, it is 450,000 yuan for a single person and 750,000 yuan for a double person. Provident fund house purchase policy: 1. Submit a provident fund loan application. The borrower submits a loan application to the provident fund management center as required and provides the information required for the loan. 2. Preliminary review by the provident fund loan core. After the provident fund management core accepts the borrower's application, it will review the borrower's qualifications, loan amount, loan period, loan information and other information, and give opinions. 3. Credit investigation of provident fund loans. After the preliminary review by the provident fund management core, the bank undertaking the provident fund loan will conduct a pre-loan credit investigation of the borrower. After the investigation is completed, the lending bank will provide opinions and fill out the "Individual Housing Provident Fund Loan and Portfolio Loan Investigation and Approval Form" and submit it to the relevant personnel for approval. 4. Sign a provident fund loan contract. If the borrower passes the review, you will receive a notification from the loan undertaking bank. At this time, the borrower only needs to bring his ID card, account book, bank account number and other information within the prescribed time and go to the undertaking bank to sign the loan contract. 5. Go through the house insurance and mortgage registration procedures. After signing the loan contract, the borrower needs to go through the insurance and mortgage registration procedures as required, and the resulting costs will be borne by the borrower himself. 6. Waiting for the transfer of the provident fund loan. After confirming that the mortgage registration has been completed and the loan contract has come into effect, the loan undertaking bank will transfer the loan to the account jointly designated by the borrower and the house seller on the date stipulated in the contract, and return the loan to the account. The bill is sent to the borrower. The current loan annual interest rate of Dalian Provident Fund: The current loan interest rate for the first home is 2.75% for 1-5 years, 3.25% for 6-30 years, the down payment for the second home is 60%, and the interest rate is 1.1 times the interest rate for the first home, that is, 3.025% for 1-5 years, 6- 3.575% for 30 years. Legal basis: Article 11 of the "Housing Provident Fund Management Regulations" The Housing Provident Fund Management Center performs the following responsibilities: (1) Prepare and implement the collection and use plan of the Housing Provident Fund; (2) Responsible for recording the payment, withdrawal, and withdrawal of the Housing Provident Fund of employees. usage, etc.; (3) Responsible for the accounting of housing provident funds; (4) Examining and approving the withdrawal and use of housing provident funds; (5) Responsible for the preservation and return of housing provident funds; (6) Preparing reports on the implementation of housing provident fund collection and use plans ; (7) Undertake other matters decided by the Housing Provident Fund Management Committee.

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

Provident fund loan - less than five years (including five years) 4.00 and more than five years 4.50

4. 2021 Dalian Provident Fund loan State provident fund loan interest rate?

The latest interest rate for provident fund loans in 2021 is 2.75 for five years and below, and 3.25 for more than five years.

The interest rate for provident fund loans follows the benchmark interest rate announced by the People's Bank of China on October 24, 2015, and all banks across the country adopt this standard. At present, the base interest rate (annual interest rate) of provident fund loans for five years or less (including five years) is 2.75, and for more than five years, it is 3.25. When applying for a provident fund loan, it generally requires more than one year of payment before it can be used.

Is the provident fund loan interest rate fixed or floating?

The provident fund loan interest rate is fixed and not floating.

Provident fund loans refer to loans enjoyed by employees who have paid housing provident funds. According to national regulations, all employees who have paid housing provident funds can apply for personal housing provident fund loans in accordance with the relevant provisions of provident fund loans.

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, good credit, and the ability to repay the principal and interest of the loan;

4. Pay the housing provident fund normally and continuously before borrowing Pay more than half a year