1. The personal housing provident fund loan interest rate is divided into two cases: the first suite and the second suite.
The interest rate of the first home loan within 2.5 years (inclusive) is 2.75%, and the interest rate over 5 years is 3.25%.
3. The interest rate of the second home loan is 1. 1 times the interest rate of the first home loan, and the loan term is 3.03% within 5 years (inclusive) and 3.58% over 5 years.
4. Interest rate adjustment shall be subject to the latest policy or bank announcement.
Provisions on the use of provident fund:
1. Withdrawal conditions of provident fund: including house purchase, lease, decoration, marriage and retirement;
2. Deposit ratio of provident fund: Generally, employees and employers each pay a certain proportion of provident fund;
3. Provident fund loan amount: it varies according to the deposit of individual provident fund and the regulations of the city where it is located;
4. Duration of provident fund loan: generally, the longest loan shall not exceed 30 years, and it shall be implemented according to the regulations of the local provident fund management center;
5. Provident fund account management: including account inquiry, transfer, merger and other operations;
6. Calculation of provident fund interest: The balance in the provident fund account is usually calculated according to the interest rate stipulated by the state.
To sum up, the interest rate of individual housing provident fund loans in Yibin area varies according to the number of houses and the loan period. The interest rate for the first suite is 2.75% in five years and 3.25% in five years, while the corresponding interest rates for the second suite are 3.03% and 3.58% respectively. These interest rates will be adjusted according to the latest policies or bank announcements.
Legal basis:
Regulations on the administration of housing provident fund
Article 26
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Article 6
The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.
Provisions on the administration of RMB interest rate
Article 14
Employees' individual housing provident fund deposits, which were collected in the current year, bear interest according to the deposit interest rate listed on the interest settlement date, and then transferred to the previous year's carry-over households after interest settlement; Interest is calculated according to the three-month fixed lump-sum deposit interest rate published on the interest settlement date carried forward last year. The interest settlement date of provident fund deposits is June 30th every year.