At present, the benchmark annual interest rate of provident fund loans for less than five years (including five years) announced by the central bank is 2.75%; The benchmark annual interest rate for more than five years is 3.25%. The specific loan interest rate you can actually apply for is subject to the final audit result.
2. What is the interest rate of Nanjing Provident Fund loan?
Interest rate of provident fund loans: the interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the interest rate of provident fund loans for less than five years is 2.75% per annum, which is consistent throughout the country.
1. What is a provident fund loan? Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. 20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1. 20 14- 10, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank issued a document, including relaxing the conditions of provident fund loans, promoting loans from different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months). August 3 1, 2065438 The Ministry of Housing and Urban-Rural Development jointly issued a notice saying that since September 1, 2065438, the down payment for purchasing a second home with provident fund loans has been reduced to 20%. 2. What is the interest rate of Nanjing housing provident fund loan? According to relevant regulations, from August 26th, 2065438+2005, the annual interest rate of Nanjing housing provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years (6-30 years). One-year loans are subject to one-time repayment of principal and interest at maturity, and the interest rate is not adjusted during the loan period, and the contract interest rate is implemented. For provident fund loans with a term of more than one year, the interest rate shall be determined annually. When the interest rate of the People's Bank of China is adjusted, new loans will be implemented at the new interest rate; For the loans that have been handled, the new interest rate will be implemented from 1 according to the corresponding interest rate grade from next year. Three. Nanjing Housing Provident Fund Loan Term The sum of the borrower's actual age when applying for a loan and the loan term shall not exceed his legal retirement age in principle, and the actual age when applying for a loan shall be calculated as an integer. For borrowers who have continuously paid the housing provident fund in full for more than 5 years (inclusive) and have stable income, good reputation and the ability to repay the principal and interest of the loan, the loan term can be relaxed to 1-5 years after the statutory retirement age of the borrower. The loan period for purchasing commercial housing and affordable housing shall not exceed 30 years at the longest; The loan period for purchasing second-hand houses and building, renovating or overhauling houses shall not exceed 20 years at the longest. Four. Calculation of loan amount of Nanjing housing provident fund A single provident fund loan is based on husband and wife, and the loan amount is the lowest of the following three quotas: 1. The loan amount is determined according to the borrower's repayment ability. The calculation formula is: the monthly deposit of the borrower's housing provident fund/the ratio of the borrower's housing provident fund × the individual repayment ability coefficient (currently 0.45)× 12 (month )× the actual loanable period. If both husband and wife have paid the provident fund and borrowed jointly, the loan amount shall be the sum of the loan amounts calculated by both husband and wife. If the spouse is an officer, it is deemed that the maximum amount of personal loan is calculated according to the loanable formula. 2. The loan amount is determined according to the proportion of the specified loan amount to the total house price. Workers' families who have paid the housing provident fund loan to purchase the first set of ordinary self-occupied housing have a minimum down payment ratio of 20%; For employee families who own 1 apartment and have settled their housing provident fund loans, in order to improve their living conditions, the minimum down payment ratio is lowered from 30% to 20% (from September of 1 20 15). If the borrower uses the money to buy a house, the money should be fully included in the down payment, and the deducted part is not counted as the loan amount. 3. Maximum loan amount. If both husband and wife pay the provident fund, the maximum amount of employee loans is twice that of personal loans. The above is the interest rate of Nanjing provident fund loan that I introduced to you in my column. Nanjing individual housing provident fund loan ceiling is 300,000; 600,000 for husband and wife. But in comparison, the interest rate of housing provident fund loans is still relatively low, which is the policy of benefiting the people implemented by our country. The specific loan interest rate of Southern Housing Provident Fund has different provisions according to the number of years, ranging from 2.75% for less than five years to 3.25% for more than five years.
3. What is the interest rate of Nanjing Bank's provident fund loan?
From 20 10, 10, the interest rate of individual housing provident fund loans will be raised. The interest rates of individual housing provident fund loans for less than five years (including five years) and more than five years were raised by 0.25 percentage points. For less than five years (including five years), it will be adjusted from 3.50% to 3.75%, and from 4.05% to 4.30% for more than five years.
4. What is the interest rate of Nanjing Provident Fund?
The loan interest rate of Nanjing housing provident fund is 2.75% for five years or less and 3.25% for five years or more (6-30 years).
Of course, this interest rate will be adjusted according to relevant policies.