20 15, 15 All existing provident fund loan interest rates shall be adjusted. The annual interest rate of provident fund loans for more than five years is 3.25%, and the annual interest rate of provident fund loans for five years and less is 2.75%, which is consistent throughout the country.

Provident fund loan conditions:

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;

7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

8. The borrower agrees to handle housing mortgage loan and insurance;

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

2. What is the mortgage interest rate?

1.6 1%、 1.93%。 The housing accumulation fund of the autonomous region was lowered to the jurisdiction, and the interest rate of the first individual housing accumulation fund loan was 0. 15 percentage point, and the interest rates for less than five years and more than five years were adjusted to 1.6 1% and 1.93% respectively. Located in the southwest of Qinghai-Tibet Plateau, with an average elevation of over 4,000 meters.

Three, the civil service provident fund loan interest rate

No, there are many situations that can be extracted.

Generally speaking, the withdrawal management of provident fund centers around the country has such provisions: employees can withdraw the storage balance in their housing provident fund accounts under any of the following circumstances:

(a) the purchase, construction, renovation and overhaul of self-occupied housing with property rights;

(two) retired, retired and reached the statutory retirement age;

(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 enjoy the minimum living guarantee for urban residents;

(8) The employee dies or is declared dead;

(nine) rural migrant workers and units to terminate the labor relationship;