Interest on the second-home provident fund loan: the annual interest rate for less than five years (including five years) is 3.85%; The annual interest rate for more than five years is 4.40%. At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.

Interest on second-home provident fund loans: Bank of China, China Banking Regulatory Commission and Ministry of Housing and Urban-Rural Development jointly issued a document to reduce the down payment ratio of second-home commercial loans from 60% to 40%, and the down payment ratio of first-home provident fund loans to 20%.

If the first home loan has been settled, the down payment ratio of the second home loan will be reduced to 30%. In addition, the Ministry of Finance will also exempt individual commercial housing sales business tax from the previous five years to two years.

Interest rate of second-home commercial loan:

Benchmark interest rate for commercial loans: 5.90%.

In the new mortgage policy, if you have 1 house but the loan has been settled, you can apply for a loan to buy a "second house", and the loan interest rate can be 30% off the benchmark; At present, the house 1 and mortgage are not settled. If you refinance to buy a "second house", the lowest interest rate will go up 10%.

Interest rate of second-home provident fund loan:

Loan term: 3.85% within 5 years (inclusive); More than 5 years, 4.40%.

At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.

Housing provident fund loan interest rate

According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is: 1, and the annual interest rate of individual housing provident fund deposits is: paid in the current year and carried forward from the previous year to:1.5%; 2. Personal housing provident fund loan: the annual interest rate is 2.75% for less than five years (including five years) and 3.25% for more than five years. Provident fund loan refers to individual provident fund loan, which is a housing mortgage loan issued by local provident fund management offices, using the provident fund paid by employees who apply for individual provident fund loans, and entrusting commercial banks to the housing provident fund depositors who purchase, build, dismantle and repair their own houses and retired employees who paid the provident fund during on-the-job filming. The above is the interest rate of housing provident fund. How can the provident fund be used to borrow money to buy a house? Users can prepare personal identity documents, provident fund co-branded cards, purchase agreements signed with real estate developers, down payment receipts, residence permits (household registration books or temporary residence permits), personal income certificates (such as bank accounts and salary slips) and other related materials, and go to the business outlets of local provident fund management offices to find staff to explicitly apply for loans.

After receiving the application form and filling it out, the user submits the report together with relevant materials, and then can try it out. After the trial, the management office will examine and approve Yuzhou according to the material information provided by users, and an appraisal agency will evaluate the value of the house. After the approval is passed, the user will be informed. Users who receive the approval notice sign loan contracts at business outlets within the promised time, and go through mortgage and other related procedures at the real estate management bureau, and then the bank will issue loan funds. Generally, it takes about two to three months from the user submitting the loan application to issuing the loan funds. Of course, if the bank encounters a shortage of funds and so on, it may take longer to approve and lend money.

What is the interest rate of housing provident fund loan?

First, the interest rate of the first personal housing provident fund loan for five years (including five years) will be lowered from the current 2.75% to 2.6%, and from the current 3.25% to 3. 1%. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rate of loans for five years or less is 3.025%, and the interest rate of loans for five years or more is 3.575%.

II. For individual housing provident fund loans issued before June 65438+ 10/in 2022, the new interest rate standard will be implemented from June 65438+1 0/in 2023.

3. All management departments will return the first set of personal housing provident fund loans accepted but not issued before June 65438+1 October12022 to the state of adjustable interest rate, and submit them for review after repositioning according to the requirements of this notice.

4. For the loan with adjusted interest rate, it is necessary to reprint the loan approval form and the specially signed contract, involving interest rate and monthly repayment amount.

5. The vacant amount of the first housing provident fund individual housing mortgage lease letter applied after June 65438+1October 65438+1October 2022 shall be subject to the adjusted interest rate.

What is the interest rate for provident fund loans?

According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is:

1, individual housing Roy provident fund deposit: the annual interest rate paid in the current year and carried forward from the previous year is1.5%;

2. Personal housing provident fund loan: the annual interest rate is 2.75% for less than five years (including five years) and 3.25% for more than five years.

Is the interest of the provident fund the same as that of the bank?

The money in the housing provident fund account is the same as the deposit interest, but the interest is not very high. Generally, it will be settled once a year, and the interest will be settled on June 30th every year. After settlement, the interest will be deposited in the provident fund account, and a corresponding short message will be sent to the user to tell you how much interest the provident fund account generated in the previous year.

The money in the housing provident fund is equivalent to a demand deposit, which can be withdrawn or deposited. The housing provident fund paid by individuals and units shall bear interest from the date of deposit in the individual housing provident fund account, and the interest shall be paid according to the savings deposit rate stipulated by the People's Bank of China before Huling. If the amount of housing provident fund is not used for a long time, housing provident fund will generate corresponding interest like deposits.

The balance of provident fund allocated in the current year is calculated at the interest rate of current savings deposits, and the balance of housing provident fund carried forward in the previous year is calculated at the interest rate of lump-sum deposit and withdrawal for three months. If the user withdraws part of the provident fund, it is stipulated to withdraw the balance allocated first.

The biggest function of the money in the provident fund account is not to generate interest, but to apply for loans, because the amount of provident fund loans is calculated according to the account balance. The more the account balance, the higher the loan amount you can apply for, and the more interest you can save for the lender.

What is the latest loan interest rate of housing provident fund?

The latest benchmark interest rate of provident fund 2022 is as follows:

(1) Starting from June 65438+ 10/day in 2022, the interest rate of individual housing provident fund loans will be determined according to the number of housing units in employees' families.

(2) The interest rate of the first individual housing provident fund loan will be lowered by 0. 15 percentage point, and it will be 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 3.025% for less than 5 years (including 5 years) and 3.575% for more than 5 years.

(3) For those who apply for portfolio loans to purchase houses, the interest rate of individual housing commercial loans shall be subject to the corresponding interest rate according to the standards set by commercial banks for determining the number of housing units.

Housing provident fund loans with the original benchmark interest rate have been reduced by 0. 1 5 percentage points since the new interest rate was implemented in June 2023, that is, 2.6% for less than five years (including five years) and 3. 1% for more than five years.

The loan interest rate of housing provident fund is unchanged when the original benchmark interest rate rises 1. 1 times, and it is still 3.025% for less than 5 years (including 5 years) and 3.575% for more than 5 years.

Other relevant policies:

Continue to stop issuing housing provident fund loans to employees' families who purchase the third or more houses; Continue to stop issuing housing provident fund loans to workers' families who have used housing provident fund loans for the third time (inclusive) and have not yet settled their housing provident fund loans.

What's the latest interest rate for provident fund loans?

List of interest rates of provident fund loans of banks in 2022

1, central bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

2. Industrial and Commercial Bank of China: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

3. Agricultural Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

4. China Construction Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

5. Bank of China: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

6. Bank of Communications: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

7. China Merchants Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

8. CITIC Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

9. China Everbright Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

10, Shanghai Pudong Development Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

1 1, Shenzhen Development Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 4%, and the interest rate for more than five years is 4.5%;

12, Ping An Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

13, Guangfa Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

14, Huaxia Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

15. Minsheng Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

16, Industrial Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

17, Bank of East Asia: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

18, Bank of Beijing: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

19, China Postal Savings Bank: the loan interest rate of housing provident fund for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

20. Dezhou Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

2 1, Shengjing bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

22. Guiyang Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

23. Dandong Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

24. Harbin Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

25. bank of luoyang: The interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

26. Fudian Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

27. Jilin Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

28. Bank of Jiangsu: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

29. Bank of Zhengzhou: The interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

30. Taizhou City Commercial Bank: The interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

3 1, Bank of Ningbo: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

This is the end of the introduction of the current provident fund loan interest rate and the current provident fund loan interest rate. I wonder if you have found the information you need?