The interest rate of the second-home provident fund loan is 1. 1 multiple of the benchmark interest rate. Because the second suite was purchased on the basis of the first suite, the interest rate of the second suite will rise 10% on the basis of the first suite. The interest rate of the first suite is 15% off. The interest rate of the second-home provident fund loan is: 1, and the personal loan interest rate of the housing provident fund with a loan term of less than 5 years (inclusive) is 2.75%; The loan interest rate for more than 5 years is 3.25%; The interest rate of the second home loan is 1. 1 multiple of the benchmark interest rate. 2. For example, Xiao Zhang owns a house in Beijing and buys two houses. The interest rate of provident fund loan is 3.25% 1. 1 times the benchmark interest rate, that is, 3.575%. The commercial loan interest rate is 1. 1 multiple of the benchmark interest rate of 4.9%, that is, 5.39%. Adjust the interest rate of the second home loan, and enjoy a 15% discount on the basis of the first home loan interest rate. The interest rate of the second suite generally rose by 10%, and the down payment ratio was higher. The adjustment of the second home loan interest rate can effectively reduce the bank credit risk. Can reduce the increase in real estate prices. Calculation formula of interest rate of second home loan: 1. Calculate interest by multiplying the cumulative product by the daily interest rate. The interest calculation formula is: interest = cumulative interest product multiplied by daily interest rate, where cumulative interest product = total daily balance. 2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal multiplied by interest rate multiplied by loan term, with three details: ① If the interest calculation period is a whole year (month), the interest calculation formula is: interest = principal multiplied by year (month) multiplied by year (month) interest rate; ② If the interest-bearing period has a whole year (month) and odd days, the interest-bearing formula is: interest = principal times year (month) times annual (month) interest rate principal times odd days times daily interest rate; ③ At the same time, the bank can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year (366 days in leap year), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is: interest = principal multiplied by actual days multiplied by daily interest rate.
To sum up, the loan interest rate for purchasing the second housing provident fund is 1-5 years (including 5 years) and 3.025%. The interest rate of the first suite is 15% off. For individual housing provident fund loans with a loan term of less than 5 years (inclusive), the interest rate for second-home provident fund loans is 2.75%; The loan interest rate for more than 5 years is 3.25%; The interest rate of the second home loan is 1. 1 multiple of the benchmark interest rate.
Legal basis:
Regulations on the administration of housing provident fund
Article 13
The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.
Article 14
The newly established unit shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, go through the formalities for the establishment of housing provident fund accounts for its employees.