First of all, answer directly.

The interest rate of provident fund loans is fixed. The benchmark interest rate is implemented for the first suite, and 1. 1 multiple of the benchmark interest rate for the second suite. Whether the user resigns or not, the interest rate is determined according to this.

Second, the specific analysis

If during the application period of provident fund loan, the user's resignation leads to the severance of provident fund, which will lead to the failure to pass the audit of provident fund loan. Users had better wait until the audit results come out.

As for the rejection of provident fund loans, users can apply for commercial loans. The interest rate of commercial loans is higher than that of provident fund loans, but the application restrictions are relatively small.

Quickly check in the north, get a big data report, find out your overdue records, and classify your online loans, formal and informal, with credit and without credit. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.

3. How to calculate the interest rate of provident fund loans after resignation?

After resigning, the interest rate of the provident fund loan already handled will not be affected.

Because the individual housing provident fund loan is applied to the housing provident fund management center, the bank is only an agent lending institution, and the benchmark interest rate of the central bank loan is implemented.

Only after the People's Bank of China adjusts the benchmark interest rate of central bank loans will the new interest rate be implemented on 1 month 1 day next year. If the central bank does not adjust the benchmark interest rate during the loan period, the interest rate of provident fund loans will remain unchanged and will not be affected by other factors.

What everyone needs to pay attention to is that if you want to apply for a provident fund loan to buy a house, you generally need to pay the housing provident fund for more than six months in a row, and you must apply for a normal deposit status in that month.

Therefore, if the provident fund is paid off after resignation, it may have a certain impact on mortgage handling.

Of course, you can also choose to apply for a commercial personal housing loan.

The commercial loan interest rate is formed by adding LPR as the pricing benchmark.

Second, after the Chengdu provident fund loan to buy a house, what impact will it have if you leave your job and start a business? If so, can it be changed into a flexible personnel deposit?

If you leave your job after handling the provident fund loan, you can continue to repay the loan if you have money in the provident fund account. But if there is no money, you can't repay the loan.

Moreover, the housing provident fund can only participate in the name of the unit. You can't participate in your own name. However, now some places can be attended by individual flexible employees. So you can ask the local housing provident fund management center for details. Generally speaking, individuals can participate in the housing provident fund. However, the current housing provident fund loan policy is relatively loose. So as long as you have money in your housing provident fund account, you can repay the loan. So it is better to take part in the work as much as possible and continue to work.

If there is no money in the housing provident fund account, it should be ok to convert the provident fund loan into a commercial loan. You should go through the application procedures. In short, you can't cut off the confession, otherwise it will affect your credit information. If the credit information is affected, it will be difficult to handle the credit information affairs in the future.

The above contents are for reference only. Thank you!

I bought a house with housing provident fund loan, and now I quit. What effect will it have?

You can only apply for provident fund loans if you continue to pay the provident fund, and you can't apply for provident fund loans if you resign. Employees who have paid the housing provident fund in full for 6 months or more can apply for provident fund loans or portfolio loans when purchasing self-occupied housing.

hypothesis

1. The borrower holds legal identity documents and has full capacity for civil conduct;

2. The borrower and his spouse have good credit records and meet the auditing standards for provident fund loans;

3 have a stable economic income and the ability to repay the principal and interest of provident fund loans on time;

4. There is a real purchase behavior, and the purchase behavior generally occurs within one year, except for housing commercial loans to housing provident fund loans; The ownership of the purchased house is clear, the procedures are legal and complete, and there is no law;

5. There are no outstanding provident fund loans;

6. Agree to mortgage the purchased houses with loans, or provide guarantees in the form recognized by the management center, such as government bonds, bank deposit certificates, securities, etc.

4. Does it matter if you resign after buying a house with the housing provident fund?

As long as you meet the requirements when applying for a housing provident fund loan, if you are unemployed, you will not pay the provident fund in the future, as long as you repay it normally every month, there will be no problem. However, for those who apply for housing provident fund loans by speculative deposit, the center will require to pay off the housing provident fund loans in advance and record bad credit information, which will affect their next application for housing provident fund loans.