The annual interest paid is 3.965438+ 0% of the principal. The current standard annual interest rate of provident fund loans is 3.9 1% for provident fund loans for more than five years, 3.9 1% for monthly loans, and 3.91%for loans for less than five years, which is consistent throughout the country.

2. How to calculate the monthly contribution of provident fund?

1. repayment method of equal principal and interest: monthly repayment amount = [loan principal× monthly interest rate× (1interest rate )× repayment months ]=[( 1 interest rate )× repayment months].

2. Average principal repayment method: monthly repayment amount = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal) × monthly interest rate.

Three, housing provident fund loan calculator

Try the financial calculator of ICBC online banking. Very convenient! /calculator/calculator_per.jsp The annual interest rate of provident fund loans is 3.96% for less than 5 years (inclusive) and 4.4 1% for more than 5 years.

4. 20 1 1 housing provident fund loan calculator!

Use the housing provident fund loan of 200,000 yuan, 20 years, 65,438 yuan+0.265 3 yuan per month, and the total interest due is 4.5%.