First, Jilin province provident fund deposit interest rate
The interest rate of provident fund deposits in Jilin Province is generally implemented in accordance with national regulations, which is usually low but relatively stable. Provident fund deposits are mainly used to accumulate housing funds and provide low-interest loan support for employees. Jilin Provincial Provident Fund Management Department will adjust the deposit interest rate in a timely manner according to market conditions and national policies.
Two, Jilin province provident fund loan interest rate
The interest rate of provident fund loans in Jilin Province is also stipulated by national policies, which is generally lower than the market commercial loan interest rate. Provident fund loans are mainly used to support employees to buy self-occupied housing and reduce the burden of buying houses. Jilin province provident fund management department will adjust the loan interest rate according to factors such as the real estate market situation and monetary policy.
Third, the impact of interest rate adjustment of provident fund.
The adjustment of the interest rate of provident fund has a certain impact on employees and the real estate market. Lowering the deposit interest rate may reduce the employee's provident fund income, but it is beneficial to reduce the loan cost; Raising the loan interest rate may increase the burden on buyers and have a certain inhibitory effect on the real estate market. Therefore, Jilin province provident fund management department needs to comprehensively consider many factors when adjusting interest rates.
4. Get the latest information about the interest rate of provident fund.
Employees can get the latest information on the deposit interest rate and loan interest rate of provident fund through official website, the management department of Jilin Province's provident fund, and the service window. When handling provident fund business, employees should understand and abide by relevant regulations to ensure that their rights and interests are not harmed.
To sum up:
The interest rate of provident fund in Jilin Province is regulated by national policies, including deposit interest rate and loan interest rate. Employees should pay attention to the announcement of the provident fund management department and obtain the latest interest rate information. When handling provident fund business, you need to abide by relevant regulations to ensure your own rights and interests.
Legal basis:
Regulations on the administration of housing provident fund
Article 6 stipulates that 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.
Regulations on the administration of housing provident fund
Article 26 stipulates that employees who pay 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.