List of interest rates of provident fund loans of banks in 2022

1, central bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

2. Industrial and Commercial Bank of China: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

3. Agricultural Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

4. China Construction Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

5. Bank of China: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

6. Bank of Communications: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

7. China Merchants Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

8. CITIC Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

9. China Everbright Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

10, Shanghai Pudong Development Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

1 1, Shenzhen Development Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 4%, and the interest rate for more than five years is 4.5%;

12, Ping An Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

13, guangfa bank: the loan interest rate of housing provident fund for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

14, Huaxia Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

15. Minsheng Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

16, Industrial Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

17, Bank of East Asia: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

18, Bank of Beijing: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

19, China Postal Savings Bank: the loan interest rate of housing provident fund for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

20. Dezhou Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

2 1, Shengjing bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

22. Guiyang Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

23. Dandong Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

24. Harbin Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

25. bank of luoyang: The interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

26. Fudian Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

27. Jilin Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

28. Bank of Jiangsu: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

29. Bank of Zhengzhou: The interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

30. Taizhou City Commercial Bank: The interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

3 1, Bank of Ningbo: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

What is the latest loan interest rate of housing provident fund?

The latest benchmark interest rate of provident fund 2022 is as follows:

(1) Starting from June 65438+ 10/day in 2022, the interest rate of individual housing provident fund loans will be determined according to the number of housing units in employees' families.

(2) The interest rate of the first individual housing provident fund loan will be lowered by 0. 15 percentage point, and it will be 2.6% for less than 5 years (including 5 years) and 3.1%for more than 5 years; The interest rate of the second set of personal housing provident fund loans is 3.025% for less than 5 years (including 5 years) and 3.575% for more than 5 years.

(3) For those who apply for portfolio loans to purchase houses, the interest rate of individual housing commercial loans shall be subject to the corresponding interest rate according to the standards set by commercial banks for determining the number of housing units.

Housing provident fund loans with the original benchmark interest rate have been reduced by 0. 1 5 percentage points since the new interest rate was implemented in June 2023, that is, 2.6% for less than five years (including five years) and 3. 1% for more than five years.

The loan interest rate of housing provident fund is unchanged when the original benchmark interest rate rises 1. 1 times, and it is still 3.025% for less than 5 years (including 5 years) and 3.575% for more than 5 years.

Other relevant policies:

Continue to stop issuing housing provident fund loans to employees' families who purchase the third or more houses; Continue to stop issuing housing provident fund loans to workers' families who have used housing provident fund loans for the third time (inclusive) and have not yet settled their housing provident fund loans.

What is the interest on the provident fund?

According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is:

1, individual housing Roy provident fund deposit: the annual interest rate paid in the current year and carried forward from the previous year is1.5%;

2. Personal housing provident fund loan: the annual interest rate is 2.75% for less than five years (including five years) and 3.25% for more than five years.

Is the interest of the provident fund the same as that of the bank?

The money in the housing provident fund account is the same as the deposit interest, but the interest is not very high. Generally, it will be settled once a year, and the interest will be settled on June 30th every year. After settlement, the interest will be deposited in the provident fund account, and a corresponding short message will be sent to the user to tell you how much interest the provident fund account generated in the previous year.

The money in the housing provident fund is equivalent to a demand deposit, which can be withdrawn or deposited. The housing provident fund paid by individuals and units shall bear interest from the date of deposit in the individual housing provident fund account, and the interest shall be paid according to the savings deposit rate stipulated by the People's Bank of China before Huling. If the amount of housing provident fund is not used for a long time, housing provident fund will generate corresponding interest like deposits.

The balance of provident fund allocated in the current year is calculated at the interest rate of current savings deposits, and the balance of housing provident fund carried forward in the previous year is calculated at the interest rate of lump-sum deposit and withdrawal for three months. If the user withdraws part of the provident fund, it is stipulated to withdraw the balance allocated first.

The biggest function of the money in the provident fund account is not to generate interest, but to apply for loans, because the amount of provident fund loans is calculated according to the account balance. The more the account balance, the higher the loan amount you can apply for, and the more interest you can save for the lender.

What is the interest rate for provident fund loans?

First, the interest rate of the first personal housing provident fund loan for five years (including five years) will be lowered from the current 2.75% to 2.6%, and from the current 3.25% to 3. 1%. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rate of loans for five years or less is 3.025%, and the interest rate of loans for five years or more is 3.575%.

II. For individual housing provident fund loans issued before June 65438+ 10/in 2022, the new interest rate standard will be implemented from June 65438+1 0/in 2023.

3. All management departments will return the first set of personal housing provident fund loans accepted but not issued before June 65438+1 October12022 to the state of adjustable interest rate, and submit them for review after repositioning according to the requirements of this notice.

4. For the loan with adjusted interest rate, it is necessary to reprint the loan approval form and the specially signed contract, involving interest rate and monthly repayment amount.

5. The vacant amount of the first individual housing mortgage lease of housing accumulation fund applied after June 65438+1October 65438+1October 2022 shall be subject to the adjusted interest rate.

What is the interest rate of housing provident fund loan?

Different loan methods have different interest rates, among which the interest rate of provident fund loans will be relatively low. The longer the loan term, the higher the loan interest rate, and all banks will float above the benchmark interest rate of the central bank. In order to help you understand the specific content, let's explain in detail the mortgage interest rates of major banks in 2022.

In 2022, the interest rate of central bank loans will be 4.35% within one year (including one year), 4.75% within one to five years (including five years), and 4.9% for loans over five years. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.

The average mortgage is more than five years, and most provident fund loans are not enough to support the current total mortgage, so the interest rate of commercial loans is the most representative.

Then, let's look at the floating level of commercial banks.

We can see that the central bank's loan interest rate for more than five years is 4.9%, which has returned to the level of about 20 15.

At present, the major banks in China are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank. These relatively large bank loan interest rates are based on the benchmark interest rate of the central bank.

This is the end of the introduction of provident fund loan interest rate and Qingdao provident fund loan interest rate. I wonder if you have found the information you need?