1, if the loan term does not exceed one year, the loan interest rate is 4.35%; The interest for one year to five years is 4.75%; 5 years or more is 4.90%.

2. Provident fund loans for five years and above are calculated at the interest rate of 4%/ 12, and provident fund loans for five years and below are calculated at 3.5%.

What are the precautions for signing a second-hand house sales contract?

1. Pay attention to whether the owner and the seller on the property ownership certificate are the same person. It is necessary to find out whether it is cost housing, low-cost housing or affordable housing, and whether there is any discrepancy between the area on the real estate license and the actual area. Check the original of the real estate license in advance, and then go to the Housing Authority to check the authenticity of the real estate license.

Pay attention to the name on the seller and the deed, and verify the identity. Also, it depends on whether there is a * * relationship with the owner on the real estate license. If there is, it must be related to the owner. Third, some real estate licenses do not have a * * relationship with the owner, but if the seller has a spouse, he should trade with the spouse.

2. Check whether the ownership of the house is complete and whether it can be transferred smoothly: confirm the integrity of the ownership of the house, whether there is mortgage (including private mortgage), personal use, etc. If you have a mortgage, see if you can refinance it.

3. Check whether the house can be transferred: confirm whether the public houses purchased at the average price have paid the cost at the cost price or distributed according to the proportion of the original unit; When most public houses are renovated, the original unit still has the preemptive right, so it is necessary to determine whether the original unit is willing to sell. Under normal circumstances, houses produced by the army, hospitals and schools (schools) must be sealed by the original unit before they can be transferred.

4. Confirm the building area: including the building area, usable area and interior area; Housing property certificates usually indicate the construction area; The safest way is from one end to the other. This is called carpet.

5. Observe the internal structure of the house: whether the apartment type is reasonable and whether there are any defects suitable for living; Too many lines or unreasonable lines; There are no signs of water leakage, cracks and peeling on the ceiling.

6. Investigate the real situation of the house: check the facilities around the house, the aging degree of the house, whether the water and electricity supply of the house is complete, whether the house has property management, whether the community environment is good or not, and see if the neighbors get along well.

7. Investigate the housing history of the second-hand housing age audit. When was it built and how long has the land been used? Who lives here, what's the history, and what's the use. Is there anything wrong? Do you owe others money? Do you steal?

8. Evaluate the house price and inquire whether the house can be mortgaged: roughly evaluate the house, measure its own financial resources and judge whether the house can be mortgaged. The central bank will make adjustments according to the specific situation every year. However, the loan interest rates of banks are floating, so the mortgage interest rates given by banks are different, which has little to do with new and second-hand houses.