1. The interest rate of the first home provident fund loan is 2.6% within 5 years (including 5 years) and 3.1%for more than 5 years;
2. The interest rate of the second-home provident fund loan is 3.025% within 5 years (including 5 years) and 3.575% for more than 5 years.
The application conditions for provident fund loans are:
1, permanent residence in the town where the loan is located, and valid residence certificate can be provided;
2. The housing provident fund has been continuously paid for more than 6 months before the loan, and the accumulated time of the provident fund deposit cannot be less than 12 months;
3. The self-financing of the first suite reaches more than 30% of the total price of the purchased house, including 30%, and the first home loan below 90 square meters only needs 20%.
Provident fund loans shall not exceed 5 years after the borrower's statutory retirement age, that is, men shall reach 65 years of age and women shall reach 60 years of age; The employees of the unit have signed labor contracts for more than 3 years; Normal continuous monthly housing provident fund deposit exceeds a certain period; Do not exceed the statutory retirement age. The longest term of provident fund loans shall not exceed 30 years. Portfolio loans, provident fund loans and commercial housing loans must have the same term. In the case of buying a house and using a mortgage, you can withdraw the housing provident fund once a month; When withdrawing housing provident fund in the case of one-time payment, employees and their spouses can withdraw housing provident fund in full once every quarter, up to four times a year.
Legal basis:
Article 24 of the Regulations on the Management of Housing Provident Fund
In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.