The latest provident fund base interest rates for 2022 are as follows:

(1) Starting from October 1, 2022, the personal housing provident fund loan interest rate will be determined based on the number of housing units in the employee family.

(2) The interest rate for provident fund loans for the first set of personal housing will be reduced by 0.15 percentage points, to 2.6% for less than 5 years (including 5 years) and 3.1% for more than 5 years; for the second set of personal housing provident fund loans, the interest rate will be 5. 3.025% for less than 5 years (including 5 years) and 3.575% for more than 5 years.

(3) If you apply for a combination loan to purchase a house, the interest rate of commercial personal housing loans shall be based on the commercial bank’s housing unit identification standards.

Housing provident fund loans that were originally based on the benchmark interest rate will implement the new interest rate from January 1, 2023, which will be reduced by 0.15 percentage points, that is, 2.6% for less than 5 years (including 5 years) and 3.1% for more than 5 years. %.

For housing provident fund loans that were originally subject to a 1.1 times increase in the benchmark interest rate, the interest rates remain unchanged at 3.025% for less than 5 years (including 5 years) and 3.575% for more than 5 years.

Other related policies:

Continue to stop issuing housing provident fund loans to employee families who purchase their third (and above) homes; continue to stop providing housing provident fund loans to third (inclusive) users of housing provident funds. Loans and housing provident fund loans are issued to employee families who have not yet paid off their housing provident fund loans.