1, the interest rate of provident fund loans will change.

2. After the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, ABC and CCB are all like this).

3. Annual adjustment, that is, the new interest rate will be adjusted and implemented every year of repayment (this is the case with bank mortgage in China).

4. Both parties agree that the new interest rate level will generally be implemented in the next month after the adjustment of bank interest rate, and the interest rate of provident fund loans will be adjusted to 1 month 1 day in the following year.

There are three forms of interest rate adjustment, so the interest rate of the outstanding part of the housing provident fund loan will be adjusted accordingly after the interest rate adjustment of the general bank, but it will be adjusted next year 1 month 1 day.

Will the interest rate of provident fund be adjusted, and the interest rate of loans be changed?

1. The interest rate of provident fund loans will not change with the change of LPR interest rate.

The LPR interest rate is obtained by 18 representative banks submitting quotations to the National Interbank Funding Center before 9: 00 on the 20th of each month, and by arithmetic average in steps of 0.05 percentage point, excluding the highest quotation and the lowest quotation, which mainly provides pricing reference for bank loans and has nothing to do with the loan interest rate of the Housing Provident Fund Center.

Once the interest rate of housing provident fund loans is adjusted and decided by the People's Bank of China, interest rate pricing will be uniformly implemented nationwide, and it shall not be changed at will. Eligible housing provident fund deposit workers apply for provident fund loans and sign contracts, and the loan interest rate is implemented according to the fixed interest rate agreed in the contract, unless the state uniformly adjusts the provident fund loan interest rate.

2, the national unified adjustment of provident fund loan interest rates will change.

For example, the People's Bank of China has decided that the interest rate of the first individual housing provident fund loan will be lowered by 0. 15 percentage point from June 65438+ 10, the interest rate of loans for less than five years (including five years) will be lowered from 2.75% to 2.6%, and the interest rate of loans for more than five years will be lowered from 3.25% to 3./kl.

In this case, taking the interest rate of provident fund loans for more than five years as an example, the changes are as follows:

(1) If the first housing provident fund loan applied for on September 15, 2022 has been released, the annual interest rate of the loan from September 15, 2022 to the end of 2022 will still be 3.25%, and it will be 3.65438 on June 1 2023.

(2) Apply for the first housing provident fund loan on September 15, 2022, but the loan release date is June 65438+ 10/0, 2022. Since the loan release date, the adjusted annual interest rate of the loan will be 3. 1%.

(3) If you apply for the first personal housing provident fund loan on June 5438+1October 10, 2022, it will be directly implemented according to the newly adjusted annual loan interest rate of 3. 1%, which will remain unchanged unless the national unified adjustment of provident fund loan interest rate occurs in the future.

3. The loan interest rate of provident fund loans with a term of 1 year (inclusive) remains unchanged.

Even if the interest rate of employee provident fund loans will change after the unified adjustment by the state, it is also for housing provident fund loans with a loan term exceeding 1 year, and loans with a loan term less than 1 year (including 1 year) are too short, which will only be implemented at the contract interest rate and will not change.

Is the interest rate of provident fund loans fixed or floating?

The interest rate of provident fund loans to buy a house is not fixed, and the interest rate of provident fund loans is floating, but the interest rate of provident fund loans will not change easily, so the interest rate is relatively fixed. The interest rate of provident fund loans is adjusted at any time according to the needs of economic development. The interest rates of housing provident fund loans of major banks are adjusted according to the interest rates of provident fund loans announced by the central bank. However, the central bank does not adjust the interest rate of provident fund loans once a year, and it usually takes many years after adjustment.

When buyers apply for housing provident fund loans for the first time to buy a house, they will generally follow the benchmark interest rate of provident fund loans and will not float up or down. However, the benchmark interest rate of the provident fund will also fluctuate with the adjustment of the central bank's monetary policy. Once the benchmark interest rate changes, the mortgage interest rate of users will be implemented according to the new benchmark interest rate of provident fund from the second year. When buyers apply for housing provident fund loans for the first time to buy a house, they will generally follow the benchmark interest rate of provident fund loans and will not float up or down. However, the benchmark interest rate of the provident fund will also fluctuate with the adjustment of the central bank's monetary policy. Once the benchmark interest rate changes, the mortgage interest rate of users will be implemented according to the new benchmark interest rate of provident fund from the second year.

Will the interest rate of provident fund loans change in 2023?

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

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.

Does the interest rate of provident fund loans change every year?

The interest on housing provident fund loans will change every year, once a year. The interest rate of the provident fund loan shall be implemented in accordance with the housing provident fund loan interest rate stipulated by the People's Bank of China. If the legal interest rate is adjusted during the loan period and the loan term is less than one year, the interest shall be calculated at the interest rate agreed in this contract; For existing loans with a loan term of more than 1 year, the new interest rate standard will be implemented according to the adjusted corresponding grade from 1 of the following year. The new loan shall be implemented as of the date of adjustment. Hello! The interest rate of the provident fund loan shall be implemented in accordance with the housing provident fund loan interest rate stipulated by the People's Bank of China. If the legal interest rate is adjusted during the loan period and the loan term is less than one year, the interest shall be calculated at the interest rate agreed in this contract; For existing loans with a loan term of more than 1 year, the new interest rate standard will be implemented according to the adjusted corresponding grade from 1 of the following year. The new loan shall be implemented as of the date of adjustment.

According to the staff, the interest rate of housing provident fund loans only changes once a year. For loans with a loan term of less than 1 year (including 1 year), the contract interest rate shall be implemented. If the statutory interest rate is adjusted, the interest rate after the first adjustment shall be implemented. If the loan term exceeds 65,438+0 years, if the legal interest rate is adjusted, the new interest rate will be implemented at the beginning of next year according to the corresponding interest rate grade.

It will definitely not change after signing the contract, generally around 3.5%.

Will the interest rate change according to the adjustment of the bank after the provident fund loan?

No, the loan issuance date shall prevail, and the interest rate of provident fund loans at the time of loan issuance shall be adjusted once a year.

On June 28th, 20 15, the current provident fund loan interest rate was adjusted and implemented. The interest rate of provident fund loans for more than five years is 3.5%, the monthly interest rate is 3.5%/ 12, and the interest rate of provident fund loans for less than five years is 3.0% per year, which is the same in the whole country.

Extended data:

This situation is related to the choice of housing loan interest rate. There are two main methods in the world, one is "contract interest rate" and the other is "floating interest rate".

The loan interest rate is adjusted with the adjustment of the bank deposit and loan interest rate during the loan period. China's current housing loan interest rate policy generally implements "floating interest rate".

The Notice on Adjusting the Term and Interest Rate of Personal Housing Loan issued by China People's Bank 1 September 2, 9991day clearly stated that "the interest rate of personal housing loan is still fixed for one year, and the interest rate level for the next year will be determined on June 65438+ 10/day." It can be seen that except for one year, China has implemented a loan interest rate policy that is adjusted with the adjustment of the statutory deposit and loan interest rates of banks.

Housing provident fund personal housing loan is also a floating loan interest rate policy. During the loan period, when the loan interest rate of housing provident fund is adjusted, the new loan interest rate will be implemented from 65438+ 1 in the second year.