the interest rate of housing provident fund is 3.25%, which means that the interest paid every year by those who use housing provident fund loans to buy houses is 3.25% of the principal. If your approved housing provident fund loan is 1 million yuan, the annual interest payable is: 1 million yuan x 3.25% = 32,5 yuan. If your loan period is ten years, the interest you should pay is: 1 million yuan x 3.25% X1 = 325, yuan.
The conditions for the provident fund loan must be met:
1. Have a valid residence in the local town where the loan is made, and can provide a valid residence certificate.
2. The housing accumulation fund has been continuously deposited for more than 6 months before the loan, and the cumulative deposit time of the accumulation fund cannot be less than 12 months.
3. The self-financing of the first suite reaches more than 3% (including 3%) of the total price of the purchased house, and only 2% is needed for the first home loan below 9 square meters.
4. The borrower has a proper job, a stable income, a fixed monthly salary and a clear intention to repay the loan.
5. signed a house purchase contract or contract with the house sales office.
what are the inquiry methods for the interest rate of provident fund loans?
The interest rate of provident fund loans can be inquired from these three places, namely, online inquiry, telephone consultation and provident fund management center inquiry. You can choose according to your actual situation.
1. Online loan
Online inquiry is divided into websites and third-party platforms.
The website refers to the website of the local housing provident fund management center. After the borrower logs in, he will find the "provident fund loan" page, and click Enter to display his current housing provident fund loan information, including loan interest rate, loan term and repayment amount.
The third-party platform is Alipay. Borrowers can search "Alipay City Service Inquiry" in Alipay, then open the "Citizen Center", find the column of provident fund, find the provident fund loan and click the provident fund loan inquiry. If there is a provident fund loan, the provident fund loan information will be displayed.
2. Telephone consultation
Every city's provident fund management center has a customer service hotline. Borrowers can call the customer service hotline directly to inquire about the latest interest rate of provident fund loans in their city. You can also inform the other party of your personal identity information, and then the customer service will help the borrower check the annual interest rate of the current provident fund loan.
3. Inquiring about the provident fund management center
Borrowers can directly inquire about the interest rate of provident fund loans under the online loan line of the local housing provident fund center, and generally need to provide their valid ID card and go there during working days.
Because most housing provident fund centers don't go to work on non-working days, borrowers can entrust others to help with inquiries when they don't have time, and they should provide valid identity documents and power of attorney from both parties.
Legal basis
How to check the interest rate of provident fund
Lawyer Ren Danyang
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How to check the interest rate of their own provident fund:
1. First, open Alipay and click to enter the Citizen Center;
2. Then click to select provident fund;
3. Then click the interest rate of the provident fund to enter;
4. You can check it by entering the interest rate of the provident fund.
the extraction process of provident fund:
1. house purchase extraction. When this method is used to withdraw the provident fund, you can directly go to the housing provident fund management center to withdraw it in full;
2. Withdrawal of housing loan. In the absence of binding provident fund repayment, if there is a mortgage that needs to be repaid at present, you can withdraw the provident fund once a year to repay the loan according to the regulations;
3. Use the rental contract to withdraw the provident fund. Now, many areas have implemented such a regulation. If employees rent a house, they can use the lease contract to withdraw the provident fund from their accounts. However, it should be noted that there will be a limit to the withdrawal of the provident fund, and the amount of the withdrawal of the provident fund should be within the amount of rent paid by oneself in one year. However, if you want to withdraw all the provident fund, you need to meet more conditions, and it is not enough to withdraw it by renting a house;
4. house decoration extraction. Housing renovation or renovation of old houses can also apply for withdrawal of provident fund. After providing the decoration entrustment contract with the decoration company and other supporting materials, you can extract it. The staff of the provident fund management center will also inform you in advance of the specific materials required;
5. The court decides to withdraw the provident fund. This way of withdrawing provident fund is rarely encountered. For example, in the case of owing a lot of money to others, they have never repaid it. If others sue through the court, the court will decide to withdraw the money from the provident fund account and transfer it to someone else's provident fund account. This extraction method is a theoretical method, and if it is really implemented, the procedures are also complicated.
Legal basis:
Article 24 of the Regulations on the Administration of Housing Provident Fund
Employees may withdraw the balance of their housing provident fund accounts under any of the following circumstances:
(1) purchasing, constructing, renovating or overhauling their own houses;
(2) retired;
(3) completely losing the ability to work and terminating the labor relationship with the unit;
(4) leaving the country to settle down;
(5) repaying the principal and interest of the house purchase loan;
(6) the rent exceeds the prescribed proportion of family wage income.
in accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
if an employee dies or is declared dead, the employee's heirs and legatee can withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.