Starting from the down payment of 60%, the loan interest rate is 1. 1 times of the benchmark interest rate. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%. The second set of housing provident fund personal housing loan is only provided to the paid workers' families whose existing per capita housing construction area is lower than the local average level, and the purpose of the loan is limited to buying ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period. Stop issuing housing provident fund and individual housing loans to paid workers' families who buy third and above houses. At present, the benchmark interest rate for the first home loan and the benchmark interest rate for the second home loan of the provident fund is 1. 1 times. The increase is related to the qualifications of borrowers and other factors.

Legal basis:

Article 34 of the Law of People's Republic of China (PRC) Commercial Bank provides loans according to the needs of national economic and social development under the guidance of the national industrial policy.

Derivative problem:

What are the related problems of provident fund loans? You can apply for it up to 2 times. The borrower must pay the housing provident fund (remitted by the unit) to Wuxi Housing Provident Fund Management Center on time, in full and continuously six months before the month of applying for the loan. Take the lower of the transaction price and the appraisal price as the total house price; The contract price of the Commodity House is the total house price (excluding decoration price). If the decoration price is included in the total house price purchased by the borrower, the total house price shall be deducted by 15%.