What is the benchmark interest rate for housing provident fund loans?
The loan interest rate is subject to the interest rate determined by the People's Bank of China. If the loan term of housing provident fund is 1 year, the contract interest rate will be implemented, and the interest will not be calculated in installments when the legal interest rate is adjusted; If the loan term exceeds 1 year, when the legal interest rate is adjusted, the new interest rate rules will be implemented on June 65438+ 10/day of the following year according to the corresponding interest rate grade.
At present, the benchmark interest rate of housing provident fund loans is 2.75% for loans with less than five years (including five years) and 3.25% for loans with more than five years. If the borrower purchases a second family house and applies for a housing provident fund loan, the interest rate will rise 10%. The interest rate of commercial individual housing loans in portfolio loans shall be implemented according to the entrusted bank scheme.
What is the interest rate of the first suite of some banks in 2022?
Recently, the news that the mortgage interest rate in Hunan Province has been lowered has been constantly appearing. At present, the mortgage interest rates in Loudi, Yiyang, Hengyang, Chenzhou and Shaoyang in the province have been lowered. The interest rate of the first home loan of some banks has dropped to 5.05%, and the interest rate of the second home loan has dropped to 5.45%.
Now the average interest rate of the first home loan has dropped to 5.05%, and the average interest rate of the second home loan has dropped to 5.45%, which is 45-50 BP lower than before.
Changsha has commercial bank housing loans. Can I apply for repayment of commercial bank loans and withdrawal of housing provident fund online?
Can citizens download it? Mobile phone provident fund APP? And login? Xiangzhi provident fund? Online business hall, apply for repayment of commercial bank loans and withdrawal of housing provident fund business (limited to Changsha urban real estate).