Interest rate of provident fund: the interest rate of housing provident fund loans for more than five years is 4.50%, the monthly interest rate is 4.50%/ 12, and the interest rate of housing provident fund loans for less than five years is 4.0% per annum, which is consistent throughout the country.

The housing provident fund loan interest rate shall be implemented in accordance with the relevant provisions of the state. If the loan term is within 1 year, the contract interest rate shall be implemented. In case of legal interest rate adjustment, interest shall not be calculated by sections. If the loan term exceeds 65,438+0 years, if the legal interest rate is adjusted, the new interest rate will be implemented at the beginning of next year according to the corresponding interest rate grade.

Matters needing attention in housing provident fund loans

According to the relevant regulations, the center has imposed a time limit on applying for housing provident fund loans for different properties. For the purchase of second-hand houses, the application time is within 1 month after handling the property ownership certificate of the property; For the purchase of commercial housing, the application time should be before the developer issues a formal house purchase invoice to the purchaser; If you want to withdraw the original provident fund, you must apply within three months after buying a house.