The first home loan of Suqian Provident Fund has an annual interest rate of 2.75% for less than 5 years (inclusive) and 3.25% for more than 5 years. After the husband and wife apply for housing provident fund loans, no matter whether the relationship between husband and wife exists or not, either party may not apply for housing provident fund loans again. 1. What is the interest rate of Suqian provident fund loan? For the first home loan, the annual interest rate is 2.75% for less than five years, 3.25% for more than five years, 3.025% for the second home loan, and 3.575% for more than five years. The third housing provident fund loan is not supported for the time being. Second, Suqian provident fund loan conditions 1. Employees who have paid the housing provident fund in full and continuously for more than 6 months (inclusive) on a monthly basis, and have not withdrawn the housing provident fund within 6 months (inclusive) before applying for a loan (excluding those entrusted to withdraw the housing provident fund monthly to repay the housing provident fund loan and those who withdraw the housing provident fund annually to repay the housing loan), can apply for a housing provident fund loan. For employees who have paid housing provident fund in different places and have paid less than 6 months in our city, the payment time can be calculated according to the payment certificate issued by the original housing provident fund management center and the payment time in our city after the deposit balance is transferred to our city; 2. The borrower agrees to use the purchased house as loan collateral; 3. The borrower has a stable occupation, economic income and the ability to repay the loan principal and interest; 4. After the husband and wife apply for the housing provident fund loan, no matter whether the relationship between husband and wife exists or not, neither party may apply for the housing provident fund loan again before the loan is paid off; 5. Employees who purchase houses may not withdraw provident fund in the name of buying houses, and then apply for individual housing provident fund loans in the name of buying houses; 6, other conditions stipulated by the provident fund center. Three. Suqian Provident Fund Loan Law According to Article 26 of the Regulations on the Management of Housing Provident Fund, 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, 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.
Legal objectivity:
The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions and expand the floating range of deposit interest rates. The People's Bank of China decided to lower the benchmark interest rate of RMB loans and deposits of financial institutions from March 20th 1 5 to March1. The benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 5.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.5%. At the same time, combined with the interest rate marketization reform, the upper limit of the floating range of deposit interest rate of financial institutions was adjusted from 65438 0.2 times of the benchmark deposit interest rate to 65438 0.3 times. The benchmark deposit and loan interest rates of other grades and the deposit and loan interest rates of individual housing provident fund are adjusted accordingly.