After the adjustment of the general bank interest rate, the interest rate of the outstanding part of the housing provident fund loan will also be adjusted, but the adjustment time is the following year 1 month 1 day. If your loan date is less than 65438+ 1 in the next year, the interest will be subject to the interest at the time of loan.

There are three forms of interest rate adjustment:

1. 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).

2. 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).

3. Both parties agree that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment. The interest rate of provident fund loans will be adjusted in the following year 1 month 1 day.

Extended data

Materials to be provided for employee loans

Apply to the housing provident fund management department first, and issue the "Cengong County Housing Provident Fund Personal Loan Application Form" in duplicate after passing the preliminary examination;

2. The employee will fill in the "Cengong County Housing Provident Fund Personal Loan Application Form" and submit the following materials to the Credit Unit of the County Housing Provident Fund Management Department;

1. Two loan applications (signed by married spouse);

2. The original and photocopy of the house purchase contract or agreement 1 copy each;

3. 1 Original and photocopy of the Registration and Filing Form of Commercial Housing Pre-sale Contract;

4. Two copies of deposit receipt;

5. Two copies of the applicant's husband and wife ID card and household registration book;

6. Two originals of the income certificate of the applicant's husband and wife;

7. The original 1 copy, 1 copy and 1 copy of the applicant's personal account inquiry form for husband and wife housing provident fund (with the official seal of the bank where the account is opened);

8. The applicant should provide a copy of marriage certificate if he is married, and two copies of divorce certificate if he is divorced; Unmarried, the original and photocopy of the unmarried certificate issued by the street office where the account is located or 2 copies of the unmarried certificate shall be provided;

9. For self-built houses, 2 copies of the approval letter for construction land, construction project planning permit, land use certificate, house elevation and house plan shall be provided;

10. To purchase affordable housing, two copies of the approval document for construction land, construction project planning permit, construction permit, house elevation, house floor plan and approval documents of relevant government departments shall be provided.

Refer to Baidu Encyclopedia-Provident Fund Loan Interest Rate