According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is:

1, individual housing Roy provident fund deposit: the annual interest rate paid in the current year and carried forward from the previous year is1.5%;

2. Personal housing provident fund loan: the annual interest rate is 2.75% for less than five years (including five years) and 3.25% for more than five years.

Is the interest of the provident fund the same as that of the bank?

The money in the housing provident fund account is the same as the deposit interest, but the interest is not very high. Generally, it will be settled once a year, and the interest will be settled on June 30th every year. After settlement, the interest will be deposited in the provident fund account, and a corresponding short message will be sent to the user to tell you how much interest the provident fund account generated in the previous year.

The money in the housing provident fund is equivalent to a demand deposit, which can be withdrawn or deposited. The housing provident fund paid by individuals and units shall bear interest from the date of deposit in the individual housing provident fund account, and the interest shall be paid according to the savings deposit rate stipulated by the People's Bank of China before Huling. If the amount of housing provident fund is not used for a long time, housing provident fund will generate corresponding interest like deposits.

The balance of provident fund allocated in the current year is calculated at the interest rate of current savings deposits, and the balance of housing provident fund carried forward in the previous year is calculated at the interest rate of lump-sum deposit and withdrawal for three months. If the user withdraws part of the provident fund, it is stipulated to withdraw the balance allocated first.

The biggest function of the money in the provident fund account is not to generate interest, but to apply for loans, because the amount of provident fund loans is calculated according to the account balance. The more the account balance, the higher the loan amount you can apply for, and the more interest you can save for the lender.

What is the interest rate for provident fund loans?

According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is: 1, and the annual interest rate of individual housing provident fund deposits is: paid in the current year and carried forward from the previous year to:1.5%; 2. Personal housing provident fund loan: the annual interest rate is 2.75% for less than five years (including five years) and 3.25% for more than five years. Provident fund loans refer to individual provident fund loans, which are provident funds paid by employees who apply for individual provident fund loans by provident fund management offices all over the country, and mortgage loans issued to housing provident fund depositors who buy, build, demolish and repair their own houses and retired employees who pay provident funds during their working life. The above is the interest rate of housing provident fund. How can the provident fund be used to borrow money to buy a house? Users can prepare personal identity documents, provident fund co-branded cards, purchase agreements signed with real estate developers, down payment receipts, residence permits (household registration books or temporary residence permits), personal income certificates (such as bank accounts and salary slips) and other related materials, and go to the business outlets of local provident fund management offices to find staff to explicitly apply for loans. After receiving the application form and filling it out, the user will submit the report together with relevant materials, and then they can try it out. After the trial, the management office will conduct examination and approval according to the material information provided by the user, and an evaluation agency will evaluate the value of the house. After the approval is passed, the user will be informed. Users who receive the approval notice sign loan contracts at business outlets within the promised time, and go through mortgage and other related procedures at the real estate management bureau, and then the bank will issue loan funds. Generally, it takes about two to three months from the user submitting the loan application to issuing the loan funds. Of course, if the bank encounters a shortage of funds and so on, it may take longer to approve and lend money.

What is the interest rate of Xi 'an provident fund loan?

At present, the annual interest rate of provident fund loans for more than five years is 3.25%, and that for less than five years (inclusive) is 2.75%.

Xi' an China Merchants Bank launched a provident fund loan (address: Room 506, 5th floor, China Merchants Bank, southeast corner of Dachacheng Cross, Beilin District). When applying for housing provident fund loans, the following information shall be provided:

1. Identity documents (resident identity cards or other valid documents) of the borrower and his spouse (check the original and keep 5 copies);

2. The borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or judgment, and death certificate for the widowed, check the original and keep 4 copies);

3. Purchase down payment voucher (check the original, keep a copy, 4 copies);

4. Proof of income of both husband and wife (issued in the "Application and Approval Form for Individual Housing Provident Fund Loan" in quadruplicate);

5. The debit account number is one card of China Merchants Bank (4 copies);

6. Legal purchase contract (original, 4 copies);

7. The borrower's housing provident fund deposit certificate (original);

8. Seal of the borrower and spouse (the words "seal", "seal" and "seal" are not allowed);

9 individual housing provident fund loan application approval form (in quadruplicate, signed and sealed by the customer);

10. Individual housing provident fund loan contract (in quintuplicate, signed and sealed by the customer);

1 1. Application for real estate mortgage registration (1 copy, signed and sealed by the customer);

12. Letter of Commitment (in triplicate, stamped with the Seller's official seal and legal person's seal at the lower left, with a plan attached at the lower right, stamped with the official seal of riding nail, provided by the developer or construction unit);

13. Personal housing provident fund loan receipt;

14. Interview record of individual housing provident fund loan (in duplicate, signed and sealed by the customer);

15. Real estate sales contract (fund-raising house, housing reform house and second-hand house in quadruplicate);

16. Loan guarantee contract for purchasing second-hand houses (in quadruplicate);

17. Other information required by the provident fund center.

How much can Xi 'an provident fund deposit base of 6000 be loaned?

Legal analysis:

The annual interest rate of Xi provident fund loans for less than five years (inclusive) is 2.75%, and the annual interest rate of loans for more than five years is 3.25%. If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse pay the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 650,000 yuan. Regarding the interest rate of Xi 'an provident fund loan, the following is a detailed answer from Bianxiao. com. 1. What is the interest rate of Xi 'an provident fund loan? 65,438+0. The annual interest rate of loans with a term of less than 5 years (inclusive) is 2.75%; 2. The annual interest rate of loans with a term of more than 5 years is 3.25%. II. Xi 'an Provident Fund Loan Amount According to the announcement of Xi 'an Housing Provident Fund Management Center, if the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse pay the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 650,000 yuan. Spouse provident fund deposit is abnormal (continuous full deposit is less than the prescribed time limit, diplomatic relations have been broken for more than 90 days, and it has been sealed), and spouse provident fund is not included in the calculation. Three. Xi Provident Fund Loan Law According to Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from 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. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds. The housing provident fund management center shall not provide guarantees to others. The above is the answer to Xi 'an provident fund loan interest. Establishing housing accumulation fund system for employees can not only enhance employees' sense of identity, belonging and cohesion, but also help to form a harmonious corporate culture and a beneficial working atmosphere, which is conducive to improving employees' work enthusiasm. If you have any questions or legal problems, please visit the website for consultation.

Legal basis:

Notice of Xi Housing Provident Fund Management Center on Further Standardizing the Loan Amount of Individual Housing Provident Fund 1. If the borrower continuously pays the housing provident fund in full, the maximum loan amount shall not exceed 500,000 yuan; If the borrower and spouse deposit the housing provident fund in full and continuously at the same time, the maximum loan amount shall not exceed 700,000 yuan; Two, the first home loan amount does not exceed 70% of the total price of the purchased house, the second home loan amount does not exceed 50% of the total price of the purchased house, and the finely decorated house loan amount does not exceed 60% of the total price of the purchased house; Three, the loan amount is not higher than the amount determined according to the deposit time of the provident fund and the balance of the deposit account. If the spouse's provident fund deposit is abnormal, it will not be included in the spouse's provident fund.