1. What is the interest rate of provident fund loans in Ningbo? The annual interest rate of loans with a term of less than five years (inclusive) is 2.75%, the annual interest rate of loans with a term of more than five years is 3.25%, and the interest rate of two sets of provident fund loans rises 10%. In case of interest rate adjustment, if the interest rate is adjusted before the loan is issued, the new interest rate will be implemented; If the interest rate is adjusted after the loan issuance exceeds 1 year, it shall be implemented according to the adjusted provident fund loan interest rate standard from the year following the date of each interest rate adjustment. Two, Ningbo two-child family provident fund loan amount. If Ningbo has given birth to two or three children in line with the national birth policy, and has paid the housing provident fund for two consecutive years, and applied for the provident fund loan for the first time to buy the first self-occupied house, the maximum loan amount of the housing provident fund will be increased from 600,000 yuan/household to 800,000 yuan/household. 3. Ningbo Provident Fund Loan Law According to Article 26 of the Regulations on the Management of Housing Provident Funds, employees who have paid housing provident funds can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within/0/5 days from the date of accepting the application, make a decision on whether to grant or not to grant the loan, and notify the applicant that if the loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. Twenty-seventh applicants for housing provident fund loans shall provide guarantees. The above is the answer to "How much is the interest of Ningbo Provident Fund loan". Ningbo has increased the loan amount for families with two or three children to purchase the first self-occupied housing, while other housing provident fund loans, such as the application conditions of housing provident fund loans, the calculation method of loanable amount, the calculation of repayment ability and the loan term, remain unchanged.

Legal objectivity:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. "Regulations on the Administration of Housing Provident Fund" Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.