The interest rate difference between provident fund and commercial loans is 6.55% and 4.5%, with a difference of 2.05%. The benchmark interest rate for commercial loans is 4.9%; And it will generally increase by10% ~ 30%; The interest rate of provident fund loans is 3.25%, which generally does not rise. The difference between the interest rates of provident fund loans and commercial loans is that the benchmark interest rate of provident fund loans is 3.25%, and the interest rate of second-hand housing loans generally rises 10%. The second suite is defined as the second suite where the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children), and families who have used provident fund loans or commercial loans to buy houses apply for mortgage loans again. At present, the benchmark interest rate for commercial loans with a loan term of more than 5 years is 4.90%. Due to the policy of restricting purchases and loans, local banks have adjusted the interest rate of the first home loan to varying degrees. According to the latest data of Rong 360, the average interest rate of the first set of loans in China is 5.38%, and the interest rate generally rises by 5%-20%. Second-hand housing loan interest rates generally rose 10%-30%. Which is more cost-effective, provident fund loans or commercial loans? The loan interest rate is different. The loan interest rate of provident fund for more than 5 years is 3.25%, which leads to lower total interest. For commercial loans, the interest rate is 4.9%, and the total interest of loans is relatively high, and there is no discount. The combined loan interest rate is between 3.25% and 4.9%, and the total loan interest is relatively moderate. The loan amount is different, and the loan amount of provident fund is limited by the deposit period and balance of individual provident fund. In addition, the policy also stipulates the maximum loanable amount of the provident fund; The loan amount of commercial loans is higher than the provident fund. The loan terms are different. The requirements of commercial loans are good personal credit, no bad credit record and strong repayment ability. As long as you buy a house, you can use commercial loans, whether it is an ordinary house or a commercial and residential building, a villa or an office building. The use of provident fund loans also requires good personal credit. In addition, there is a requirement that the individual provident fund account must be paid in full within six months before the loan date. Provident fund loans are only for families who buy ordinary houses, villas and other non-ordinary houses, commercial and residential buildings and other non-housing families, and cannot be used for provident fund loans. 1. Commercial loan: At present, the benchmark interest rate of commercial loan is 4.35% within one year, 4.75% within one to five years and 4.9% after five years. Interest rates in many cities will rise 10 to 25%, with different banks and cities rising at different rates; 2. Provident fund loan: At present, the interest rate of provident fund is 2.75% within five years and 3.25% over five years. The interest rate of provident fund loans has not risen, but the provident fund loans are limited. The loan amount is determined according to the balance of years paid by oneself. Every city is different. Please consult your local provident fund center for details.

2. What is the interest difference between commercial loans and provident fund?

Comparison of interest rates of commercial and provident fund loans (May 2005 1 1 adjustment): the interest rate of provident fund loans is 3.25% for less than five years (including five years) and 3.75% for more than five years. Commercial loan interest rate: 5. 1% within one year, 5.5% for one to five years, and 5.65% for more than five years.

3. What is the interest rate difference between provident fund loans and commercial loans?

If under the same conditions, they are all compared according to the benchmark interest rate of the central bank:

1, the benchmark interest rate of commercial loans.

(1) The benchmark interest rate for commercial loans within one year (including one year) is 4.35%.

(2) The benchmark interest rate for commercial loans from one year to five years (including five years) is 4.7%.

(3) The benchmark interest rate for commercial loans over five years is 4.90%.

2. Benchmark interest rate of provident fund loans.

(1) If the loan is less than five years (including five years), the benchmark interest rate for commercial loans is 2.75%.

(2) The benchmark interest rate for commercial loans over five years is 3.25%.

Under normal circumstances, the commercial loan interest rate is not lower than 1. 1 times of the benchmark commercial loan interest rate, and the specific difference depends on the situation.

4.202 1 What's the difference between provident fund and commercial loan?

The interest rate of provident fund loans is 3.25%, and the interest rate of commercial loans is 4.65%.