1. The housing provident fund loan interest rate is 3.5% within 5 years and 3.75% for more than 5 years.
2 provident fund loans refer to loans enjoyed by employees who have paid housing provident fund. According to national regulations, all employees who pay provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.
The method of drawing provident fund is as follows:
1. Submit relevant documents, which shall be audited and sealed by the municipal housing provident fund management center or office;
2. Hold the "Housing Provident Fund Withdrawal Form", special passbook or joint card for housing provident fund and valid ID card audited and sealed by the municipal provident fund management center or office, and wait until the relevant bank housing provident fund business handling outlets handle the withdrawal.
The process of applying for provident fund is as follows:
1. Understand relevant policies and requirements: Before applying for provident fund, employees need to understand the policies and requirements of local provident fund, including the requirements of application conditions, withdrawal amount and application materials;
2. Preparation of application materials: employees need to prepare the materials needed to apply for provident fund, including their ID card, household registration book, work certificate, provident fund account information, etc.
3. Fill in the application form: employees need to fill in the application form for provident fund withdrawal, and fill in the relevant information and application amount on the form;
4. Submit application materials: The employee will submit the completed application form and related materials to the local provident fund management center, or apply online through the online processing system;
5. Review the application materials: the provident fund management center will review the application materials of employees, and if it finds that the materials are incomplete or do not meet the requirements, it will require employees to supplement or modify them;
6. Approval of withdrawal application: If the employee's application materials are approved, the provident fund management center will approve the employee's withdrawal application, and then remit the withdrawal amount to the bank account designated by the employee;
7. Withdrawal amount: After receiving the withdrawal remittance from the provident fund management center, employees can withdraw the corresponding amount from the designated bank or their own bank account.
To sum up, the application process and specific requirements of provident fund in different regions and units may be different, and the specific process needs to be determined according to relevant local laws and policies. When employees apply for provident fund, they should apply and review in accordance with the prescribed procedures and requirements to ensure that the applied funds are legal and compliant.
Legal basis:
The "Regulations" of People's Republic of China (PRC) city housing provident fund management sixteenth.
The monthly deposit amount of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.
Article 17
New employees start to pay housing provident fund from the second month of work, and the monthly payment amount is the employee's salary multiplied by the employee's housing provident fund payment ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.