The current interest rate of provident fund loans was adjusted and implemented on 20 15, 15124 October. The annual interest rate of provident fund loans for more than five years is 3.25%, and the annual interest rate of provident fund loans for five years and less is 2.75%, which is consistent throughout the country.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

Provident fund loan conditions:

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;

7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

8. The borrower agrees to handle housing mortgage loan and insurance;

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

How to calculate housing provident fund loans

20 15,101October 24, the interest rate of provident fund loans was adjusted and implemented. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the interest rate of provident fund loans for less than five years is 2.75% per year, which is consistent throughout the country.

1. What is a provident fund loan?

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. Provident fund loan refers to individual housing provident fund loan, which is a housing mortgage loan issued by the local housing provident fund management center. With the housing provident fund deposited by employees who apply for provident fund loans, commercial banks are entrusted to issue loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who have paid housing provident fund during their employment. Workers who have paid the housing provident fund in accordance with the regulations for more than a certain period (the period varies from city to city, such as Changsha exceeding 12 months) may apply for provident fund loans when the funds for house purchase, decoration and overhaul are insufficient.

Second, the loan conditions

Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund loans: they must continuously deposit housing provident fund for at least six months before applying for loans. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. If one spouse applies for a housing provident fund loan, neither spouse can obtain a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of' housing security' financial support to meet the basic housing needs of workers' families. The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

The materials to be provided for the loan include the second-generation ID card, household registration book, marriage certificate, bank account, sales contract, income certificate, etc. If the property to be traded is in Panyu District, additional bank flow is needed; Foreign household registration must provide tax payment certificate or social security certificate for more than one year; Overdue payment, the need to provide proof of overdue payment, must be audited by the provident fund center.

Housing provident fund loan interest rate

20 15,101October 24, the interest rate of provident fund loans was adjusted and implemented. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the interest rate of provident fund loans for five years and less is 2.75% per annum. [ 1]

On September 30, 2022, the People's Bank of China decided to reduce the interest rate of the first individual housing provident fund loan by 0. 15 percentage point from June, 2022, and adjust the interest rates for less than five years (including five years) and more than five years to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.

In 20 15, the central bank lowered the benchmark interest rate of loans, and the interest rate of provident fund loans for less than five years (including five years) fell to 3.5%, and the interest rate of provident fund loans for more than five years fell to 4%. The following is to introduce the calculation method of provident fund loans for everyone.

The calculation of provident fund loan should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by the four conditions is the maximum loanable amount of the lender.

20 15 what materials are needed for housing provident fund loans?

To apply for provident fund loans, borrowers must be regular employees of enterprises and institutions. Housing provident fund must be continuously deposited for more than one year before the loan, and self-raised funds of not less than 30% of the total housing price are used as down payment (including withdrawal of provident fund). If you meet these conditions, you can apply to the bank.

Then, the application materials include:

Application form for employee individual housing provident fund loan;

Identity cards of both husband and wife of the borrower;

Proof of household registration and marital status (original and photocopy provided);

Certificate of Economic Income and Certificate of Payment of Provident Fund issued by the unit;

The purchase of housing should provide the purchase contract or agreement and the down payment receipt;

Other supporting materials required by the lending bank.

It should be noted that the longest loan period of 1 cannot exceed the retirement period; Unmarried people should go to the notary office to be single and fair, and divorced people should open a single certificate.

What is the interest rate of 20 15 housing provident fund loan?

When applying for housing provident fund loans to buy a house, everyone must be very concerned about the interest rate of housing provident fund loans. However, since the central bank cut interest rates 165438+ on June 22nd, many people are not familiar with the new housing provident fund loan interest rate. 20 15 is coming, and many people intend to apply for housing provident fund loans to buy houses on 20 15, so everyone would like to know the interest rate of housing provident fund loans on 20 15.

According to Bian Xiao of the Bank Information Port, the latest provident fund loan has a lower interest rate than the previous housing provident fund loan. 165438+1The interest rate of housing provident fund loans before October 22nd is: 4% for housing provident fund loans for less than five years, and 4.5% for housing provident fund loans for more than five years.

After the central bank adjusted and implemented the latest housing provident fund loan interest rate, the current provident fund loan interest rate is: 4.25% for more than five years, 4.25%/ 12 per month, and 3.75% for less than five years. It is the same as the national housing provident fund loan interest rate.

However, if you apply for a second housing provident fund loan, the loan interest rate will rise by 1. 1 times. In other words, the interest rate of the second housing provident fund loan is 4.68%.

What is the interest rate of 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 loans refer to individual provident fund loans, which are provident funds paid by employees who apply for individual provident fund loans by provident fund management offices all over the country, and mortgage loans issued to housing provident fund depositors who buy, build, demolish and repair their own houses and retired employees who pay provident funds during their working life. The above is the interest rate of housing provident fund. How can the provident fund be used to borrow money 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 go to the business outlets of local provident fund management offices to find staff 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 an 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 sign loan contracts at business outlets within the promised time, and go through mortgage and other related procedures at the real estate management bureau, and then 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 and so on, it may take longer to approve and lend money.