The central bank announced that from June 10, 2022, the interest rate of the first individual housing provident fund loan will be lowered by 0. 15 percentage point, and the interest rates for less than five years (including five years) and more than five years will be adjusted to 2.6% and 3. 1% respectively. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years are not less than 3.025% and 3.575% respectively.

The loan interest rate of the stock accumulation fund will also be adjusted according to the new interest rate. Under normal circumstances, the interest rate of individual housing loan of stock housing provident fund is adjusted from 1+0 in the following year. If the housing provident fund personal housing loan applied by the borrower is issued on August 25th, 2022, and the central bank reduces the annual interest rate of the loan from 3.25% to 3. 1% on June 20th, 2022, the annual interest rate of the borrower from the date of loan issuance to the end of 2022 will be 3.25%, starting from June 65438+2023.

According to the latest interest rate of provident fund loans, if the husband and wife apply for the maximum amount of provident fund loans of 800,000 yuan, loan for 30 years, equal repayment of principal and interest, and implement the interest rate of 3. 1%, the monthly payment of provident fund loans can be reduced by 65.5 yuan, and the accumulated monthly payment for 30 years can be reduced by 23,500 yuan.

length of maturity

The longest loan period shall not exceed 30 years, and the loan period of some commercial enterprises shall not exceed the remaining years of the original commercial loans. The loan term is until the borrower is 65 years old.

Loan repayment

At present, the average principal repayment method is adopted for housing provident fund loans, and the loan interest decreases month by month with the principal, and the monthly repayment amount decreases month by month.

The borrower can repay the housing provident fund loan in advance only after one year of normal repayment. You need to apply to the loan-bearing branch for early repayment, and there is no restriction on illegal payment and handling fee for the time being.

The Latest Loan Interest Rate of Shanxi Coking Coal Provident Fund

2.6% and 3. 1%. Adjustment of loan interest rate of Shanxi Coking Coal Provident Fund in June 2022. The latest interest rates after adjustment are 2.6% and 3. 1%, which will change according to the specific loan time of residents.

Taiyuan second-home provident fund loan interest rate

Hello, the interest rate of the second-home provident fund loan in Taiyuan is 3.25%. The specific interest rate is determined by Taiyuan Housing Provident Fund Management Center according to the actual situation, and the specific interest rate is subject to the announcement of Taiyuan Housing Provident Fund Management Center. The longest loan period can reach 30 years, and the loan period can be flexibly adjusted according to the actual situation of the lender.