If the interest and principal of the personal provident fund account balance is 6.5438+10,000 yuan, the average annual interest income should be about 654.38+ 0.500 yuan, because the interest rate of the balance in the personal provident fund account was calculated according to the bank's interest rate for three months in the same period, while the interest rate in that year was calculated according to the bank's current interest rate in the same period; If it is loan interest expense, it is generally 3250 yuan, because the interest rate of provident fund loan is 3.25%.
2. What is the interest rate of the housing provident fund loan?
According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is: 1, and the annual interest rate of individual housing provident fund deposits is: paid in the current year and carried forward from the previous year to:1.5%; 2. Personal housing provident fund loan: the annual interest rate is 2.75% for less than five years (including five years) and 3.25% for more than five years. Provident fund loan refers to personal provident fund loan, which is the provident fund paid by employees who apply for personal provident fund loan by provident fund management offices all over the country. It is suitable for mortgage loans issued to commercial banks by housing provident fund depositors who buy, build, dismantle and repair their own houses and retired employees who pay provident fund during their employment. The above is the interest rate of housing provident fund. How can the provident fund be used for loans to buy a house? Users can prepare personal identity documents, provident fund co-branded cards, purchase agreements signed with real estate developers, down payment receipts, residence permits (household registration books or temporary residence permits), personal income certificates (such as bank accounts and salary slips) and other related materials, and find staff in the business outlets of local provident fund management offices to explicitly apply for loans.
After receiving the application form and filling it out, the user submits the report together with relevant materials, and then can try it out. After the trial, the management office will conduct examination and approval according to the material information provided by the user, and the evaluation agency will evaluate the value of the house. After the approval is passed, the user will be informed. Users who receive the approval notice will sign the loan contract at the business outlets within the promised time, and go to the real estate management bureau for mortgage and other related procedures, after which the bank will issue loan funds. Generally, it takes about two to three months from the user submitting the loan application to issuing the loan funds. Of course, if the bank encounters a shortage of funds, it may take longer to approve and lend.
3. What is the interest on the provident fund loan?
Interest rate of provident fund loans announced by the central bank:
Less than five years (including five years) 2.75%
More than five years, 3.25%
If you need to know whether the local loan fluctuates, you can consult the local provident fund management center.
Interest can be calculated by China Merchants Bank calculator. For more information, please refer to the CMB home page and the financial calculator on the right. Some provident fund official website homepage will also have a repayment trial calculator.
4. What is the interest on the provident fund loan?
According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is:
1, individual housing Roy provident fund deposit: the annual interest rate paid in the current year and carried forward from the previous year is1.5%;
2. Personal housing provident fund loan: the annual interest rate of the remaining rent for less than five years (including five years) is 2.75%, and the annual interest rate for more than five years is 3.25%.
Is the interest of the provident fund the same as that of the bank? The money in the housing provident fund account has the same interest as the deposit, but the interest is not very high. Generally, it will be settled once a year, and the interest will be settled on June 30th every year. After settlement, the interest will be deposited in the provident fund account, and a corresponding SMS will inform the user himself, telling you how much interest was generated in the vertical provident fund account last year.
The money in the housing provident fund is equivalent to a demand deposit, which can be withdrawn or deposited. Interest shall accrue from the date when the housing provident fund paid by individuals and units is deposited into the individual housing provident fund account, and the interest shall be paid according to the savings deposit rate stipulated by the People's Bank of China before Hu Ling. If you don't use the amount of housing provident fund for a long time, housing provident fund will generate corresponding interest like deposits.
The balance of provident fund allocated in the current year is calculated at the interest rate of current savings deposits, and the balance of housing provident fund carried forward in the previous year is calculated at the interest rate of lump-sum deposit and withdrawal for three months. If the user withdraws part of the provident fund, it is stipulated that the allocated balance should be withdrawn first.
The biggest function of the money in the provident fund account is not to generate interest, but to apply for a loan, because the amount of the provident fund loan is calculated according to the account balance. The more the account balance, the higher the loan amount you can apply for, and the more interest you can save for the lender.