Provident fund loan 1 10,000 annual interest of 3,250 yuan.

The current interest rate of provident fund loans was adjusted and implemented on 20 18 181October 24th. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the interest rate of provident fund loans for more than five years is 2.75%/ year.

Precautions for provident fund:

1, the materials should be complete, and the materials needed for housing provident fund loans are very complicated. We need to prepare all the materials before processing. Adequate material preparation can avoid misunderstanding, improve efficiency, get provident fund loans quickly, and realize the desire to buy a house.

2. Be familiar with the process. When handling provident fund loans, you should know its handling and process. Everyone wants to know what to deal with at each step. Familiar with the process, you can apply for provident fund loans in a short time without taking up too much time, and borrowers can also have time to handle other businesses.

3. Responsibility for stabilizing the exchange rate. If the liability rate of the lender exceeds 50% of the total personal income, it will be more dangerous. The housing provident fund loan center will think that the applicant's repayment pressure is too great and will not give the applicant a loan under normal circumstances.

4. Personal credit information and personal credit information have great influence on mortgage, car loan and credit card. If there is a bad stain, it will affect the provident fund loan. Under normal circumstances, the provident fund management center will not issue loans to such people.

The loan interest rate of commercial banks is based on the benchmark interest rate of the central bank and fluctuates within a certain range. Different banks, different regions and different loan products will have different floating interest rates.

1, the provident fund loan refers to the individual housing loan reserve, which is distributed by the housing provident fund management center to employees who apply for the use of housing provident fund. The provident fund loan entrusts commercial banks to purchase, build, demolish and repair housing provident fund for on-the-job employees and provide housing mortgage loans of housing provident fund to retired employees.

2. The bank loan interest rate fluctuates according to the benchmark interest rate. The interest rate of the first housing provident fund: 2.75% for provident fund loans for less than five years and 3.25% for provident fund loans for more than five years.

I have a provident fund of about100000. How much can I borrow?

The loan amount of housing provident fund is determined according to the local housing provident fund center. Taking Zhengzhou as an example, the balance of housing provident fund is 654.38+million, and the maximum loan is 800,000. If the borrower unilaterally pays the provident fund loan, and the family uses the provident fund loan for the second time to purchase a second family house, the maximum amount of the provident fund loan is 600,000 yuan.

If the family uses the provident fund loan for the first time, within the corresponding maximum provident fund loan amount, the single loan amount shall be determined according to the comprehensive repayment ability, the longest loan period and the loan proportion. If a family uses a provident fund loan for the second time or buys a second family house, within the corresponding maximum loan amount, a single loan amount shall be determined according to the balance of household deposits, repayment ability, longest loan period and loan ratio.

Other provisions on housing provident fund loans.

When purchasing new commercial housing, the proportion of provident fund loans shall not exceed 70% of the total property price. For the purchase of commercial housing (second-hand housing), the proportion of provident fund loans shall not exceed 60% of the total property price.

The monthly repayment amount of provident fund loans should be less than 60% of family income. If the housing loan of a commercial bank is not settled, its repayment ability shall be determined by the combined monthly repayment amount. If the repayment ability is insufficient, the amount of provident fund loans will be reduced. If the family uses the provident fund loan for the second time or buys a second family house, the amount of the provident fund loan shall not exceed 15 times of the balance paid by the family.

The above contents refer to Zhengzhou Housing Provident Fund-Notes on Housing Provident Fund Loans.

What is the interest rate of the provident fund loan of 6,543,800 yuan in the first year and 3.025 yuan in three years?

It depends on what kind of loan it is, because the interest rates of various loans of major banks are basically different, but the gap will not be too big. According to the latest benchmark interest rate table for bank deposits and loans in 2020, if the ordinary loan lasts for three years, the interest will be 5.15%;

Interest = principal × interest rate× term, so100005.15% 3 =15450 yuan. If it is a provident fund loan, the annual interest rate is 2.75%, 1000002.75%3=8250 yuan.

How much can I borrow from the 65438+ million provident fund?

1. To apply for individual housing provident fund loans in China Bank, the amount of provident fund loans is 14 times the balance of the provident fund account, and the following conditions must be met:

1) The monthly repayment amount (calculated by equal principal and interest or average principal) shall not exceed 50% of the deposit base of the applicant's housing provident fund, which may be accumulated with the applicant's deposit base for * * * times;

2) The amount of the provident fund loan shall not be higher than the difference between the total purchase price and the down payment.

3) Not higher than the maximum amount of a single housing provident fund loan. Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan, and the maximum amount of a single housing provident fund loan is 900,000 yuan if the applicant and * * * jointly apply and * * * deposit the housing provident fund in this city.

4) If the applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the housing provident fund loan, the loanable amount of the housing provident fund loan calculated according to the balance multiple of the housing provident fund account can be increased by 10%, but it cannot exceed the maximum amount of a single loan, the monthly repayment ability, and the difference between the total purchase price and the down payment.

The calculation of the final loanable line is subject to the system calculation.

2. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

What is the annual interest of the provident fund of 654.38 million yuan?

According to the central bank's annual interest rate of provident fund loans for less than five years of 2.75%, the interest of provident fund loans of 65438+ 1 year is as follows:

1. The repayment method of equal principal and interest is 65438+1 00000 yuan loan1year, and the total interest is 1495.83 yuan.

2. 1 year average repayment method The total interest of the loan of 65,438+10,000 yuan is 1489.58 yuan. 1000000 what is the interest on the provident fund loan?

Entrusted loan of housing provident fund (hereinafter referred to as provident fund loan) refers to the loan granted by the provident fund center to individual employees who meet the requirements stipulated by the provident fund center for the purchase, construction, renovation and overhaul of self-occupied housing. The operation process of individual housing provident fund loan is as follows: the lender applies-the handling bank conducts preliminary examination-the provident fund management department approves-the provident fund loan contract is signed-the mortgage, pledge, guarantee and other guarantee procedures are handled-the loan is issued-the data is filed-the loan is repaid-the loan is recovered and the mortgage is cancelled.

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Different provident fund centers have different application conditions for provident fund loans, mainly including:

1. Have full capacity for civil conduct and legal and valid identity documents;

2. Have the ability to repay the loan principal and interest;

3. Pay the housing provident fund in full and on time;

4. The down payment ratio meets the requirements;

5. Other conditions stipulated by the local provident fund management center.

Provident fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. With the characteristics of security, mutual assistance and long-term, it is mainly used for employees to buy, build, rebuild, overhaul and decorate their own houses or pay rent.

From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.

On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.

This concludes the introduction of the interest rate of 65,438+ten thousand provident fund loans and the interest rate of housing provident fund loans1ten thousand. I wonder if you have found the information you need?