According to the spirit of the Notice on Lowering the Interest Rate of the First Personal Housing Provident Fund Loan issued by the People's Bank of China on September 30, 2022, the Center will implement the new interest rate for existing loans from June 5438+ 10/.

The first individual housing provident fund loan issued before June 65438+1 October1in 2022 will be adjusted from 2.75% to 2.6% for less than five years and from 3.25% to 3. 1% for more than five years. The interest rate of the second set of individual housing provident fund loans remains unchanged.

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According to the regulations of the People's Bank of China, since June 65438+ 10/day, 2022, the interest rate of the first individual housing provident fund loan will be lowered by 0. 1 5 percentage point, and the interest rates for less than five years (including five years) and more than five years will be adjusted to 2.6% and 3. 1% respectively. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years are 3.025% and 3.575% respectively.

1. For loans issued before June 65438+ 10/2022, the adjusted interest rate of the first home loan will be implemented from June 65438+ 10/2023;

2. For the first set of individual housing provident fund loans that have been applied but not issued before June 10, 2022, the adjusted interest rate of individual housing provident fund loans shall be implemented;

3. Apply for the first personal housing provident fund loan after June 65438+1 October1in 2022, and implement it at the adjusted interest rate, and take strict precautions after acceptance.

2.202 1 what is the interest rate of Taiyuan provident fund loan?

The loan period is 1~5 years, and the loan interest rate is 2.75%. Loan for five years

3. What is the interest rate of Taiyuan provident fund loan?

According to the latest benchmark interest rate table of provident fund loans published on July 6, 20 12:

1-5 years: 4.00%

6-30 years old: 4.50%

But this is not the actual interest rate, but also depends on your personal situation. For example, if someone buys a house with a provident fund loan, then if he has a second home loan, the loan interest rate will generally rise by 10%.

Four, the second set of housing provident fund loan interest rate in Taiyuan

The central bank announced that from June 10, 2022, the interest rate of the first individual housing provident fund loan will be lowered by 0. 15 percentage point, and the interest rates for less than five years (including five years) and more than five years will be adjusted to 2.6% and 3. 1% respectively. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years are not less than 3.025% and 3.575% respectively.

The loan interest rate of the stock accumulation fund will also be adjusted according to the new interest rate. Under normal circumstances, the interest rate of individual housing loan of stock housing provident fund is adjusted from 1+0 in the following year. If the housing provident fund personal housing loan applied by the borrower is issued on August 25th, 2022, and the central bank reduces the annual interest rate of the loan from 3.25% to 3. 1% on June 20th, 2022, the annual interest rate of the borrower from the date of loan issuance to the end of 2022 will be 3.25%, starting from June 65438+2023.

According to the latest interest rate of provident fund loans, if the husband and wife apply for the maximum amount of provident fund loans of 800,000 yuan, loan for 30 years, equal repayment of principal and interest, and implement the interest rate of 3. 1%, the monthly payment of provident fund loans can be reduced by 65.5 yuan, and the accumulated monthly payment for 30 years can be reduced by 23,500 yuan.

length of maturity

The longest loan period shall not exceed 30 years, and the loan period of some commercial enterprises shall not exceed the remaining years of the original commercial loans. The loan term is until the borrower is 65 years old.

Loan repayment

At present, the average principal repayment method is adopted for housing provident fund loans, and the loan interest decreases month by month with the principal, and the monthly repayment amount decreases month by month.

The borrower can repay the housing provident fund loan in advance only after one year of normal repayment. You need to apply to the loan-bearing branch for early repayment, and there is no restriction on illegal payment and handling fee for the time being.