1, the deposit interest rate of individual housing provident fund increased by 0.25 percentage points, from 2.85% to 3.10%;

2. The interest rate of individual housing provident fund loans for more than five years is raised by 0.20 percentage points, from 4.70% to 4.90%;

3, five years (including five years) personal housing provident fund loan interest rate increased by 0.25 percentage points, from 4.20% to 4.45%;

4, to carry out the pilot work of using housing provident fund loans to support the construction of affordable housing in cities, and the loan interest rate will rise by 10% according to the personal housing provident fund loan interest rate for more than five years.

Provisions on the use of provident fund:

1. Payment conditions: employees and their units shall pay the housing provident fund in full and on time according to the regulations of the local housing provident fund management center;

2. Scope of use: the housing accumulation fund is mainly used for employees to purchase, build, rebuild, overhaul occupied houses and repay the principal and interest of house purchase loans;

3. Withdrawal conditions: If employees meet the prescribed withdrawal conditions, they can apply for withdrawal of the amount in their housing provident fund accounts;

4. Loan application: employees applying for housing provident fund loans must meet the corresponding credit conditions and loan policy requirements;

5. Loan amount: The loan amount of housing provident fund is usually limited by the provident fund deposit amount of employees and their spouses and the purchase price;

6. Repayment responsibility: Employees need to repay the principal and interest of housing provident fund loans on a monthly basis, and overdue repayment may affect personal credit records.

To sum up, the deposit interest rate of individual housing provident fund in Ningde City was raised to 3. 10%, and the loan interest rates of individual housing provident fund for five years and above were adjusted to 4.90% and 4.45% respectively. At the same time, for the pilot cities that support the construction of affordable housing, the loan interest rate will rise 10% on the basis of five years or more.

Legal basis:

Regulations on the administration of housing provident fund

Article 6

The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.