As of June 65438+1 October1in 2022, the annual interest rate of the first individual housing provident fund loan for less than five years (including five years) has dropped from 2.75% to 2.6%, and from 3.25% to 3. 1% for more than five years. The interest rate of the second set of individual housing provident fund loans remains unchanged. Since the interest rate of provident fund loans may change according to the economic situation and policy adjustment, the interest rate of provident fund loans in 2024 needs to check the latest policy provisions at that time.

Application conditions for provident fund loans:

1. The applicant has paid the provident fund on time, in full and continuously within six months before applying for the loan;

2. The applicant has a stable source of income and the ability to repay the principal and interest on time;

3. The applicant's credit status is good and there is no bad credit record;

4. The applicant and his * * * family have no provident fund loans in this city or have paid off the provident fund loans;

5. The applicant has paid the down payment for the house purchase as required;

6. The applicant agrees to provide a guarantee that meets the requirements;

7. The loan application meets the requirements of national, provincial and municipal real estate market management policies;

8. Meet other conditions stipulated by the provident fund management committee.

To sum up, the interest rate of provident fund loans in 2024 needs to check the latest policies and regulations. According to the provisions of 10, 1 2022, the interest rate of the first set of individual housing provident fund loans is lowered, while the interest rate of the second set of individual housing provident fund loans remains unchanged.

Legal basis:

Regulations on the administration of housing provident fund

Article 21

The housing provident fund shall bear interest at the interest rate stipulated by the state from the date it is deposited in the employee housing provident fund account.