The interest of Changzhou provident fund loan depends on the loan interest rate type and term selected by the borrower. At present, Changzhou Housing Provident Fund Management Center provides the following three loan interest rates:
1. benchmark interest rate: at present, the benchmark interest rate is 3.25%, and the longest loan term can reach 30 years.
2. Floating interest rate: According to the market interest rate, the specific floating ratio is determined by the bank, and the loan term can be up to 30 years.
3. Fixed interest rate: The fixed interest rate is determined according to the market interest rate, and the loan term can be up to 20 years.
Take the benchmark interest rate as an example. If the loan is 6,543,800 yuan, the total loan interest is 6,543,800 yuan+0,000 yuan x3.25%x30 years = 975,000 yuan according to the repayment period of 30 years. The monthly repayment amount is about 2708 yuan.
It should be noted that the loan interest is calculated according to the loan principal, excluding other expenses, such as loan fees and repayment insurance. The specific loan interest rate and repayment plan shall be subject to the actual operation of the bank.
Conditions and requirements of Changzhou provident fund loan
Legal subjectivity:
Changzhou's current provident fund loan interest rate was adjusted and implemented on July 6, 20 12. The interest rate of provident fund loans for more than five years is 4.50%, the monthly interest rate is 4.50%, and the interest rate of provident fund loans for five years and less is 4.0% per annum. The central bank has lowered the benchmark interest rate for loans twice. The interest rate of provident fund loans for less than five years (including five years) was reduced to 4%, and the interest rate of provident fund loans for more than five years was reduced to 4.5%. It should be noted that the calculation of provident fund loans 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.
Legal objectivity:
"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) 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 legatees may 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 shall be included in the value-added income of the housing provident fund.
What are the application conditions for Changzhou provident fund provident fund loan?
The object of housing provident fund loan shall meet the following conditions at the same time:/kloc-a natural person with full civil capacity over 0/one year old and/kloc-over 0/8 year old. 2. When applying for a loan, the housing provident fund will be remitted normally. It is estimated that individuals have paid the housing provident fund for six months in a row, and the first remittance time has reached six months. The first remittance is based on the date of the daily report of funds. Leading innovative and entrepreneurial talents introduced by our city (including board secretaries, chief financial officers, securities affairs representatives and other professionals of listed companies with share reform) may appropriately relax the requirements for continuous deposit of provident fund. 3. I can provide valid proof materials such as purchase, construction and overhaul of self-occupied housing. 4 have a stable income, good credit and the ability to repay the principal and interest of the loan on time. 5. The guarantee shall be handled in accordance with the guarantee method recognized by the Provident Fund Center. 6. There are no outstanding housing provident fund loans.
Legal basis:
Regulations on the administration of housing provident fund
Article 1 These Regulations are formulated in order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of the owners of housing provident fund, promote urban housing construction and improve the living standards of urban residents.
Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Changzhou provident fund loan new policy 2022
Changzhou housing accumulation fund new policy has been implemented for more than a month, and has achieved initial results: the city has accepted loans of 662 million yuan, and the average amount of loans applied for has increased by 38.46%. 15 high-end talented families such as masters and doctors have applied for housing loans.
In the first month of the implementation of the New Deal, the city accepted a total of 12 19 households, amounting to 662 million yuan, 2.4 times that of the month before the adjustment of the New Deal. Among them, 187 households used housing provident fund loans for the second time, accounting for 15.34%, which was 4.27 percentage points higher than that before the implementation of the New Deal. The introduction of the New Deal has lowered the threshold for buying houses, eased the pressure of excessive down payment ratio on employees' self-housing, and given more support and encouragement to buyers.
Housing accumulation fund is a popular project to ensure people's housing needs. The housing provident fund loan in our city has strongly supported the demand for improved housing on the basis of ensuring the just-needed groups to live in peace. According to statistics, after the launch of the New Deal, the average application amount of housing provident fund loans increased from 390,000 yuan to 540,000 yuan, an increase of 38.46%. Housing provident fund loans accounted for 33% of the average transaction price, an increase of 7.7 percentage points over the month before the implementation of the New Deal. The average amount of the second housing provident fund loan application increased from 440,000 yuan to 640,000 yuan, an increase of 45%.
The new loan policy has increased the housing provident fund loan amount of 300,000 yuan for single people and families (more than two people). Compared with the commercial housing loan with higher interest rate, the extra RMB 300,000 is calculated according to the loan annual interest rate of 4.45%, the loan term of 30 years, and the equal principal and interest repayment, which directly reduces the employee interest expense of RMB 74,000. Give full play to the positive role of housing provident fund in realizing the goal of "living and living" and promoting the healthy development of the real estate market.
After increasing the support for high-end talents such as doctors and masters under the age of 35, in the first month, 15 families of masters and doctors applied for housing provident fund loans, totaling13.2 million yuan. This move has accelerated the construction process of the talent housing project in our city, promoted the effective connection between the "youth staying in Changzhou" housing plan and the housing provident fund policy of benefiting the people, solved the housing needs of more young talents, ensured that young talents came to Changzhou and stayed in Changzhou, and made them live and work in peace and contentment, happiness and well-being.
What are the conditions for Changzhou housing provident fund loan?
Legal analysis: 1. When the borrower applies for a loan, the housing provident fund will be remitted normally. From the date of application, it is estimated that the cumulative continuous payment of housing provident fund by individuals is 6 months.
2. I can provide valid proof materials such as purchasing commercial housing, second-hand housing, affordable housing or building or overhauling self-occupied housing.
3 have a stable income, good credit, and the ability to repay the principal and interest of the loan on time.
4. Handle the guarantee according to the guarantee method approved by the Center.
5. The applicant has no or only one record of off-site loan of housing provident fund and has paid it off.
6. Meet other conditions stipulated by the Center.
Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from 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.
Changzhou provident fund loan new policy 202 1
According to the news of Changzhou Housing Provident Fund Management Center, in order to better meet the housing provident fund demand of employees to pay housing loans, from March 22nd, 20021,interest-bearing loans of "Revolutionary Commercial Loans" (hereinafter referred to as "Revolutionary Commercial Loans") were opened in Changzhou City and Wujin District (including Changzhou Economic Development Zone). What is a "revolution merchant" loan? The "revolution business" loan means that the provident fund center cooperates with the undertaking bank, and the undertaking bank grants commercial personal housing loans to borrowers who meet the housing provident fund personal loan conditions with the approval of both the provident fund center and the undertaking bank, and the interest difference caused by the commercial personal housing loan interest rate is higher than the housing provident fund personal loan interest rate is subsidized by the provident fund center.
Article 26 of the Regulations on the Management of Housing Provident Fund: Employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
This is the introduction of Changzhou provident fund loan in 2023 and the end of Changzhou provident fund loan interest rate. I wonder if you have found the information you need?