The interest rate of provident fund loans is unified throughout the country.
The interest rate over five years is 3.25%; The interest rate over a five-year period is 2.75%
20 17 provident fund loan interest rate
The interest rate of provident fund loans is 3.2%.
The conditions for housing provident fund loans are:
Employees with permanent residence or valid residence identity certificate in the local administrative area;
There are assets recognized by the provident fund center as collateral or pledge, or units with sufficient compensatory capacity as guarantors;
There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;
Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit;
Other conditions stipulated by the provident fund center;
At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan.
20 17 loan interest rate
Short-term loans: loans less than or equal to one year with an annual interest rate of 4.35%. Medium-and long-term loans: loans with an annual interest rate of 4.75% for more than one year and less than five years; For loans with a term of more than five years, the annual interest rate is 4.90%. Personal housing provident fund loans: loans for less than five years, with an annual interest rate of 2.75%; For loans of more than five years, the annual interest rate is 3.25%.
The loan interest rate of 20 17 is the same as that of 20 15 and 20 15/October 24th 10. Since the benchmark interest rate was released by the People's Bank of China on October 24th, 20 19, there was no change until July 9th, 20 14.
20 151On October 24th, the benchmark interest rate announced by China people was the lowest since 2007, and remained unchanged until July 24th, 20 19. This shows that the People's Bank of China encourages commercial banks to carry out loan business.
In the past, merchants wanted to open branches when they had money, but they also wanted to open branches when they had no money. There is a strange phenomenon in the current business circle, that is, rich people don't want to open branches, and people without money don't want to open branches. This situation is not good for banks and is not good for their operation.
With the introduction of online loans into people's lives, many people can solve their own needs through online loans instead of bank loans.
The introduction of the provident fund loan interest rate of 20 17 ends here.