The annual interest rate of the first individual housing provident fund loan is 2.6% for less than 5 years (including 5 years) and 3. 1% for more than 5 years.

The interest rate of the second set of personal housing provident fund loans is 3.03% within 5 years and 3.58% over 5 years.

Xiamen housing provident fund loan interest rates are as follows:

1. The annual interest rate of the first individual housing provident fund loan is less than 5 years (including 5 years) 2.6%;

2. The annual interest rate of the first individual housing provident fund loan for more than 5 years is 3.1%;

3. The interest rate of the second individual housing provident fund loan is 3.03% within 5 years;

The interest rate of the second set of personal housing provident fund loans for more than 4.5 years is 3.58%.

Provisions on the use of housing provident fund:

1. restrictions on use: the housing accumulation fund is mainly used to purchase, build, renovate or overhaul self-occupied housing;

2. Extraction conditions: certain conditions must be met in the extraction of housing accumulation fund, such as purchase contract and house ownership certificate;

3. Extraction process: the extraction of housing provident fund needs to be handled through the housing provident fund management center, and relevant certification materials should be submitted;

4. Withdrawal quota: Withdrawal quota is usually related to personal deposit quota, housing situation, family members and other factors;

5. Joint account: withdrawal of housing provident fund usually requires opening a joint account to ensure that the funds are used for designated purposes;

6. Deposit ratio: the deposit ratio of housing provident fund is stipulated by the local housing provident fund management center and linked to the wages of employees;

7. Payment period: the payment period of housing provident fund affects the loan amount and repayment period;

8. Loan conditions: To apply for a housing provident fund loan, certain conditions must be met, including the deposit period and credit history;

9. Repayment methods: The repayment methods of housing provident fund loans include matching principal and interest, average capital and other methods;

10. Policy change: The regulations on the use of housing provident fund may be adjusted according to national policies and local regulations.

To sum up, Xiamen housing provident fund loan interest rates are divided into the first set and the second set. The first set of interest rates is 2.6% for less than 5 years and 3. 1% for more than 5 years. The interest rate of the second loan is 3.03% for five years or less and 3.58% for more than five years.

Legal basis:

Notice on adjusting the deposit and loan interest rate of housing provident fund in accordance with the provisions of the People's Bank of China.

second

2065438+From June 28th, 2005, the interest rate of individual housing provident fund loans will be lowered. The interest rate of individual housing provident fund loans for more than five years was lowered by 0.25 percentage points, from 3.75% to 3.5%. The interest rate of individual housing provident fund loans for five years or less was lowered by 0.25 percentage points, from 3.25% to 3%.