Ganzhou provident fund loan interest is the benchmark interest rate of the central bank's first-home provident fund loan, with the interest rate of 2.75% for five years and below and 3.25% for more than five years. The second-home provident fund loan rose by 1. 10 times under the benchmark interest rate of the central bank, with the interest rate of 3.03% for five years or less and 3.58% for five years or more. Regarding the interest problem of Ganzhou provident fund loan, the following is a detailed answer from Bianxiao. com. 1. What is the loan interest rate of Ganzhou Provident Fund? 1. The first home provident fund loan is the benchmark interest rate of the central bank, with the interest rate of 2.75% for five years or less and 3.25% for five years or more. 2. The second-home provident fund loan rose by 1. 10 times under the benchmark interest rate of the central bank, with the interest rate of 3.03% for five years and below and 3.58% for more than five years. Second, the conditions for handling Ganzhou provident fund loans are 1. Workers who have paid housing provident fund normally include on-the-job workers, individual industrial and commercial households and their employees, part-time employees, flexible employees, compatriots from Hong Kong, Macao and Taiwan, overseas Chinese and foreigners who enjoy permanent residency in foreign countries. 2. It must be 180 days to set up an individual housing provident fund account, counting forward from the date of applying for provident fund loans, and paying the housing provident fund on time, in full and continuously for more than 6 months (inclusive). If the borrower's housing provident fund account is in an abnormal state such as sealing, freezing and cancellation, or has been in arrears for more than 65 days (inclusive), the loan will not be granted. 3. Not reaching the statutory retirement age. 4. Have full capacity for civil conduct. 5. The borrower's family has no outstanding provident fund loans (including provident fund loans under the names of husband and wife, including off-site provident fund loans and discount loans). 6. As the owner of the house or the owner of the house, I bought a set of newly-built self-occupied ordinary houses in the urban area and used the purchased houses as collateral. A house is the first or second house purchased by a family. 7. When the borrower and spouse apply for provident fund loans, their income is stable, their credit is good, they have the ability to repay the loan principal and interest, and they have no bad loan records or bad credit records. 8, in line with the purchase of new self-occupied ordinary housing related procedures, documents and the proportion of self-raised funds. 9. Provide assets that conform to the provisions of the Civil Code of People's Republic of China (PRC) and are recognized by the Firm as collateral, and the ownership of the mortgaged house is clear, which will not affect the realization of the mortgage right of the Firm. 10, meeting other conditions stipulated by laws, regulations and rules. III. Processing materials of Ganzhou provident fund loan 1, advance payment invoice; 2. Commercial housing sales contract; 3. books; 4, provident fund joint card; 5. marital status materials; 6. ID card. Four, Ganzhou provident fund loans in accordance with the "Regulations on the Management of Housing Provident Fund" (1promulgated by Decree No.262 of the State Council of the People's Republic of China on April 3, 1999, and purchased and built by employees who paid housing provident fund in accordance with Article 26 of the Decision of the State Council on Amending and the Decision of the State Council on Amending Some Administrative Regulations on March 24, 2009). 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 interest of provident fund loans is much lower than that of commercial banks. If you pay the housing provident fund, you will definitely be the first choice when buying a house, which can save a lot of interest expenses. I hope the above content can help you. If you have other legal problems, you can consult online.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 36 Employees and units have the right to inquire about the deposit and withdrawal of their housing provident fund, and the housing provident fund management center and the entrusted bank shall not refuse. Workers and units have objections to the storage balance in the housing provident fund account, and may apply to the entrusted bank for review; If there is any objection to the results of the review, you may apply to the housing provident fund management center for review. The entrusted bank and housing provident fund management center shall give a written reply within 5 days from the date of receiving the application. Workers have the right to expose, report and accuse the misappropriation of housing provident fund.