The current interest rate of provident fund loans was adjusted and implemented on 20 15, 15124 October. The annual interest rate of provident fund loans for more than five years is 3.25%, and the annual interest rate of provident fund loans for five years and less is 2.75%, which is consistent throughout the country.

Provident fund loan conditions:

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;

7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

8. The borrower agrees to handle housing mortgage loan and insurance;

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

Provident fund loan process:

1. The borrower applies for a loan at the acceptance branch;

2. Accept the outlets to inquire about the property status under the family name;

3. Accept the acceptance of outlets;

3. sign a contract;

4. examination and approval;

5. The real estate trading center shall handle the mortgage registration procedures;

6. Bank loans.

2. What are the procedures for Wuwei mortgage loan house?

1. Copy of ID card, household registration book and marriage certificate of the principal borrower.

2. Original personal income certificate or tax bill.

3. Personal assets certificate.

4. Copy of personal degree.

5. Original house sales contract.

6. Copy of house property right certificate.

7. Your down payment certificate.

8. Provident fund account number, not provided.

9. The current passbook account number of the bank you apply for a loan, that is, the repayment account number.

The assessment fee charged by ICBC can be exempted according to the amount of commercial loans. Provident fund loan guarantee companies should charge guarantee fees. Other small expenses, deed tax, etc.

3. Can Wuwei Rural Commercial Bank be selected for Wuwei Provident Fund loan?

Wuwei provident fund loan cannot be selected Wuwei Rural Commercial Bank provident fund loan refers to the loan enjoyed by employees who deposit housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. 20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.

Fourth, Wuwei bank loan.

You can apply for a loan business by taking a mortgage to that bank. You can apply for this business with the original ID card and the evidence you want to mortgage.