1, 202 1 housing provident fund loan interest rate, 202 1 The latest interest rate for provident fund loans is 2.75% for five years or less and 3.25% for more than five years. The interest rate of provident fund loans is the benchmark interest rate announced by the People's Bank of China on 20 15 years124 October, which is adopted by all banks in China. At present, the benchmark interest rate (annual interest rate) of provident fund loans is 2.75% for less than five years (including five years) and 3.25% for more than five years. It usually takes more than one year to use it.

2. Commercial loan: (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis. The current benchmark interest rate was adjusted and implemented on July 6, 2002+2065438. Types and annual interest rates are as follows: ① short-term loans for 6 months (inclusive) 5.6%; ② 6% for half a year to one year (inclusive); ③ One to three years (inclusive) 6.15%; ④ Three to five years (inclusive) 6.4%; ⑤ More than five years, 6.55%. (2) Mortgage is a comprehensive evaluation of the bank loan interest rate according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1.60000000006.

3. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

20 1 1 The Ministry of Housing and Urban-Rural Development, together with other departments, is studying the revision of the provident fund regulations and liberalizing the provision that individuals withdraw the provident fund to pay housing rent. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency. 20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers. The Regulation on the Management of Housing Provident Fund in 20 15 stipulates that the contribution ratio of employees and units' housing provident fund shall not be lower than 5% and not higher than 12%. From February 2, 2006 to February 0, 2006, the deposit interest rate of employee housing provident fund account was adjusted to be based on the one-year fixed deposit benchmark interest rate, and the increased interest rate was 1.50%.