1. What is the interest rate for commercial loans and provident fund loans? The latest interest rate standards for housing provident fund loans are: the interest rate for provident fund loans for more than 5 years is 3.25%, and the monthly interest rate is 3.25%/12; The interest rate of provident fund loans for five years or less is 2.75% per annum. The national housing provident fund loan interest rate shall be implemented according to the interest rate standard published by the People's Bank of China. Second, can I pay my own provident fund? According to the relevant regulations of China's provident fund center, under normal circumstances, individuals cannot pay housing provident fund, and of course they cannot apply for housing provident fund. Instead, it must be established and paid by the unit. If you pay the provident fund, you must also have the official seal of the unit finance. The housing accumulation fund shall be withheld and remitted by the unit that has established labor relations with the employees, and a part of the amount shall be deducted from the employees' wages. It can also be simply understood that the unit that establishes labor relations with employees needs to establish and pay housing provident fund for employees, and individual employees cannot handle it. When the company pays the housing provident fund for employees, it needs to prepare the following materials: a copy of the employee's ID card for setting up a housing provident fund account, a registration form for setting up a detailed account for individual housing provident fund, and other materials required by the management center. The housing provident fund paid by employees shall be withheld and remitted by the employer when paying wages, and the part paid by the unit for employees shall be paid to the housing provident fund management institution within the specified time and deposited in the "special account for housing provident fund" opened by the housing provident fund management institution in the entrusted bank. The deposit interest rate of housing provident fund shall be implemented in accordance with the relevant provisions of the People's Bank of China. However, some employees want to pay their own provident fund in order to enjoy the preferential interest rate of loans after leaving their jobs. In fact, in principle, individuals cannot pay the housing provident fund, but if you can find an affiliated unit, you can pay it yourself, but you need to bear all the expenses of the provident fund, and then let the unit help you pay it. This is also the method that many people usually adopt. Three. Conditions for withdrawal of provident fund If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account: (1) purchasing, building, renovating or overhauling his own house; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income; (seven) to terminate the labor relationship with the unit and move the account out of the city; (eight) the termination of labor relations between employees and units that are not registered in this Municipality, and they are not employed in this Municipality and leave this Municipality; (nine) employees who enjoy the urban minimum living guarantee; (ten) some employees lose their ability to work, causing serious difficulties in life; (eleven) the employee himself, his spouse, parents and children suffer from special diseases stipulated by the Labor and Social Security Department of Fujian Province (see the "departmental documents" column of the website of the Provident Fund Center for details), which causes serious difficulties in family life. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund. If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.
Legal objectivity:
Regulations on the administration of housing provident fund
Article 5
The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.
Regulations on the administration of housing provident fund
Article 26
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant;
Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.