1. Interest rate of provident fund loans as of June 2009+2065438.
1, the first house: 1 2.75% for five years and 3.25% for six to thirty years.
2. Second house: 1 3.025% for five years and 3.575% for six to thirty years.
Second, employees buy commercial housing, and the proportion of provident fund loans is the highest.
The first housing loan is 80% of the total purchase price; If the first commercial housing loan is not settled, 70% of the total purchase price shall be paid; If you own 1 apartment and have settled the corresponding housing loan, and apply for housing provident fund loan again, it will be 80% of the total purchase price.
Extended data
Conditions for shortening repayment period
The borrower must meet the following four conditions at the same time to handle the business of shortening the repayment period:
1. The borrower needs to fulfill the repayment obligation for more than one year;
2. The borrower is required to make partial repayment in advance in the current year, with the repayment amount not less than 20% of the loan balance and more than or equal to 65,438+00,000 yuan.
3. The borrower has no personal loans overdue record of accumulated housing provident fund for more than 3 periods;
4. After trial calculation, the new monthly repayment amount is less than or equal to 50% of the deposit base of husband and wife's provident fund.
The principle of accepting this business engagement
1. After shortening the repayment period, the interest rate for the corresponding years shall be implemented according to the new total loan period. In case of legal interest rate adjustment, the new interest rate regulation will be implemented according to the corresponding interest rate grade from next year 1, and no adjustment will be made in that year.
2. During the repayment period, you can shorten the repayment period twice. Determine the new repayment period through the loan amount calculation formula.
Elements to be provided
1. One original and one copy of the borrower's ID card.
2, the original loan contract and IOUs
Refer to Kaifeng Housing Provident Fund Management Center-Frequently Asked Questions on Provident Fund Loans