(a) the implementation of the first home provident fund loan policy, the loan interest rate is the statutory provident fund loan interest rate for the same period;
(2) If the second set of housing provident fund loan policy is implemented, the loan interest rate is 1. 1 times the loan interest rate of the first home provident fund in the same period.
In case of legal interest rate adjustment during the loan repayment period, it shall be handled according to the relevant regulations of the People's Bank of China.
(1) If the loan term is 65,438+0 years, interest will not be calculated in installments;
(2) If the loan term exceeds 1 year, the new interest rate regulations shall be implemented according to the corresponding interest rate grades from 1 of the following year.
When the loan applicant can't fully meet the loan demand, he can also apply to the loan bank for commercial personal housing loans, that is, portfolio loans.
Commercial individual housing loans and provident fund loans in portfolio loans are approved by the loan bank and Chengdu Provident Fund Center respectively, and the loan term and repayment method are the same. Portfolio loans are subject to the corresponding statutory interest rate according to the source of funds. The guarantee of portfolio loans should adopt the same guarantee method and set the same collateral.
Tips: WeChat search Chengdu local treasure, official account of WeChat. After paying attention, reply in the dialog box to the loan amount and repayment calculator of the provident fund, the entrance and handling guide of the provident fund withdrawal loan, and the latest policy.
Chengdu provident fund loan interest rate
Provident fund loan interest rate
First suite: 2.6% for less than 5 years (including 5 years) and 3. 1% for more than 5 years.
Second suite: 3.025% for less than five years (including five years) and 3.575% for more than five years.
commercial loan interest rate
Less than 5 years (including 5 years): 3.65%
More than 5 years: 4.30%
How to calculate the interest rate after reduction?
The first set of personal housing provident fund loans issued after June 1 day (inclusive) in 2022 shall be implemented at the adjusted new interest rate.
2. The first unexpired personal housing provident fund loan was issued before June 65438+1 October 1 in 2022, and it will be implemented at the adjusted new interest rate from June 65438+1October/in 2023.
According to the news of this downward adjustment, the People's Bank of China decided to reduce the interest rate of the first individual housing provident fund loan by 0. 15 percentage point from June 2022, and adjust the interest rates for less than five years (including five years) and more than five years to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.
What is the interest rate of Chengdu provident fund credit loan?
The interest rate of provident fund credit loans is usually 4-5%, with a minimum of about 3%. You can go to WeChat to search for the small program "Green Donkey" to maintain stability. Green donkey has 99% bank loan products on the market, which should give you the answer.
What are the interest rates of Chengdu provident fund credit loans?
The general interest rate will be around 4%-5%. If you want to know more, you might as well go to the WeChat applet Lv Qing. Lv Qing has a wealth of loan consulting content, and Baidu also has a lot of relevant information.
This is the end of the introduction of Chengdu provident fund loan interest rate and Chengdu provident fund loan interest rate. I wonder if you found the information you need from it?