Henan housing provident fund loan interest rate: the housing provident fund loan interest rate is 3.5%. In 20 15 years, the provident fund loan was adjusted three times. In March, the new policy was introduced, and the interest rate of provident fund loans was lowered from 4.25 to 4%. The new policy was introduced in May and lowered to 3.75% and 3.5% in June. However, for new loan users, the latest interest rate can be implemented after the provident fund loan is approved.

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The money in the housing provident fund is equivalent to a demand deposit, which can be withdrawn or deposited.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.

The interest rate of provident fund loans in Henan Province has not fluctuated.

Hello, the interest rate of Henan provident fund loan has not fluctuated. The interest rate of provident fund loans in Henan Province is uniformly priced according to the relevant provisions of the state. For specific interest rates, please refer to official website, Henan Housing Provident Fund Management Center. The interest rate of provident fund loans in Henan Province is generally lower than that of bank loans, but the loan amount is also lower than that of bank loans, generally not exceeding 500,000 yuan. The interest rate of the provincial provident fund loan in Henan Province does not fluctuate, but it will be adjusted every year according to the relevant provisions of the state, and the adjustment range will generally not be too large.

The introduction of the interest rate of provident fund loans in Henan Province ends here.