1 and in 2023, the interest rate of provident fund loans will be adjusted from 1 in 2023. After adjustment, the interest rates of housing provident fund loans for less than five years (including five years) and more than five years in this city are 2.6% and 3. 1% respectively. Therefore, since 1 month, employees who have made the first housing provident fund loan will have a corresponding reduction in the monthly repayment amount of provident fund loans.
2. In addition, there is another problem, that is, the interest on provident fund loans paid to employees for consultation in June, 5438 +2023 10 is not calculated at 2.6% for less than five years (including five years), but at 3. 1% for more than five years. As the time span for depositing employee loans in June 2023 is from February 2022 to June 2023, it covers both old and new interest rates. The interest rate of the first set of housing provident fund loans will be lowered from 2023 1. In view of this situation, the housing provident fund management center adopts the segmented interest-bearing method in the interest-bearing method of employee loans in 2023. Since February 2023, interest will be calculated at 2.6% for less than 5 years (including 5 years) and at 3. 1% for more than 5 years.
Legal basis: Article 23 of the People's Bank of China Law of the People's Republic of China.
The People's Bank of China can use the following monetary policy tools to implement monetary policy:
(1) Require banking financial institutions to deposit the deposit reserve in a prescribed proportion;
(2) Determining the benchmark interest rate of the central bank;
(3) handling rediscount for banking financial institutions that have opened accounts with the People's Bank of China;
(4) Providing loans to commercial banks;
(5) buying and selling treasury bonds, other government bonds, financial bonds and foreign exchange in the open market;
(6) Other monetary policy instruments determined by the State Council.
The People's Bank of China may prescribe specific conditions and procedures when applying the monetary policy tools listed in the preceding paragraph for the implementation of monetary policy.