1. The first individual housing provident fund loan: the loan period is less than 5 years (including 5 years): the annual interest rate is 2.6%. The loan term is more than 5 years: the annual interest rate is 3. 1%.
2. Two sets of personal housing provident fund loans: the loan period is less than 5 years (including 5 years): the annual interest rate is 3.025%. The loan term is more than 5 years: the annual interest rate is 3.575%.
Hebei provident fund loan process:
1, loan application. Workers go to the provincial housing fund management center for loan consultation, understand the loan qualification and loan amount, submit relevant supporting materials, receive and fill in the application approval form, and apply for a loan.
4. The application is accepted. Hebei Housing Provident Fund Management Center conducts a preliminary examination according to the information provided by the applicant, examines the applicant's loan qualification, verifies the authenticity of the application materials and house purchase transactions, interviews the applicant, establishes interview records, and verifies the authenticity of the house purchase contract or house ownership certificate with the real estate management department when necessary. Determine the loanable amount, term and interest rate, and make a decision on whether to accept it or not. If it is not accepted, explain the reasons and return the application materials.
3. Loan approval.
4. Contract signing.
5. Loan issuance.
6. Loan files.
7. Loan repayment.
8. loan settlement.
To sum up, the interest rate of housing provident fund loans in Hebei Province varies according to the loan period and the number of houses. The interest rates of the first suite and the second suite are set separately to support the housing needs of employees.
Legal basis:
Regulations on the administration of housing provident fund
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.
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.