The latest benchmark interest rate of provident fund in 2022 is as follows:

(1) Since June 65438+ 10/day in 2022, the interest rate of individual housing provident fund loans is determined according to the number of housing units of employees' families.

(2) The interest rate of the first individual housing provident fund loan will be lowered by 0. 15 percentage point, and it will be 2.6% for less than 5 years (including 5 years) and 3.1%for more than 5 years; The interest rate of the second set of personal housing provident fund loans is 3.025% for less than 5 years (including 5 years) and 3.575% for more than 5 years.

(3) If you apply for a portfolio loan to purchase a house, the interest rate of individual housing commercial loans shall be subject to the corresponding interest rate according to the standards for determining the number of housing units in commercial banks.

The housing provident fund loan originally implemented at the benchmark interest rate has been reduced by 0. 1 5 percentage point since the new interest rate was implemented at 65438+ 10/in June 2023, that is, it is 2.6% for less than 5 years (including 5 years) and 3. 1% for more than 5 years.

The loan interest rate of housing provident fund is unchanged when the original benchmark interest rate rises by 1. 1 times, and it is still 3.025% for less than 5 years (including 5 years) and 3.575% for more than 5 years.

Other relevant policies:

Continue to stop issuing housing provident fund loans to the families of workers who buy the third (or above) housing; Continue to stop issuing housing provident fund loans to workers' families who have used housing provident fund loans for the third time (inclusive) and have not yet settled their housing provident fund loans.

Housing provident fund loan interest rate

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 personal provident fund loans, which are housing mortgage loans issued by local provident fund management offices. With the provident fund paid by employees who apply for personal provident fund loans, commercial banks are entrusted to pay housing mortgage loans to residents who purchase, build, dismantle and repair their own houses and retired employees who pay the provident fund during on-the-job shooting. 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 examine and approve Yuzhou according to the materials and information provided by users, 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.

What is the loan interest rate of housing provident fund?

20 15,101October 24th to adjust the interest rate for the implementation of provident fund loans. 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 below is 2.75% annualized, 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 pay 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. Using the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue loans to depositors of housing provident fund who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their employment. Employees 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. Participants in the housing provident fund system must also meet the following conditions when applying for housing provident fund loans: they must pay the housing provident fund continuously for at least six months before applying for loans. Because, if employees pay housing provident fund abnormally and intermittently, it means that their income is unstable, and they are prone to risks after issuing loans. If one spouse applies for a housing provident fund loan, neither spouse can get 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 terms 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, need to provide overdue proof, must be approved by the provident fund center.

What is the interest rate of housing provident fund loan?

The interest rate of provident fund loans is adjusted and released by the People's Bank of China. 2065438+On August 26th, 2005, the People's Bank of China lowered the benchmark interest rates of RMB loans and deposits of financial institutions.

The deposit and loan interest rates of individual housing provident fund will be adjusted accordingly. The adjusted benchmark interest rate for individual housing provident fund loans is 2.75% for five years and below, and 3.25% for five years and above.

The interest rate of housing provident fund loans shall be subject to the interest rate standard published by the People's Bank of China. In case of interest rate adjustment, if the contract term is 1 year, the contract interest rate will be implemented; if the contract term exceeds 1 year, the new interest rate standard will be implemented according to the corresponding interest rate grade from the next year of interest rate adjustment.

Generally speaking, the benchmark interest rate is applicable to the first suite of housing provident fund loans in various places, and the loan interest rate for purchasing the second house is 1. 1 times of the benchmark interest rate for housing provident fund loans.

Legal basis: According to the Regulations on Housing Provident Fund Management, the current interest rate of provident fund loans was adjusted and implemented on 2065438+2005+65438124 October;

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% annualized, which is consistent throughout the country.

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

When you apply 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 have no idea about the new housing provident fund loan interest rate. With the coming of 20 15, many people plan to apply for housing provident fund loans to buy houses on 20 15, so everyone wants to know the interest rate of housing provident fund loans on 20 15.

According to Bian Xiao of Bank Information Port, the latest interest rate of provident fund loans is lower than the previous interest rate of housing provident fund loans. 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?

The interest rate of housing provident fund loans is unified nationwide.

Annual interest rate of provident fund loans for less than five years (including five years): 4.45%,

Annual interest rate of provident fund loans for more than five years: 4.90%.

I hope I can help you.

Let's stop here for the introduction of housing provident fund loan interest rate.