Kunming provident fund loan interest is paid to employees to apply for housing provident fund personal housing loans to buy the first self-occupied housing. The loan interest rate is based on the benchmark interest rate, that is, the service life is 1-5 years, and the interest rate is 2.75%; The service life is 6-30 years, and the interest rate is 3.25%. Regarding the interest problem of Kunming provident fund loan, the following is a detailed answer from Bianxiao. com. 1. How much interest does the Kunming Provident Fund loan pay? Employees apply for housing provident fund and personal housing loan to purchase the first set of self-occupied housing. The loan interest rate is based on the benchmark interest rate, that is, the service life is 1-5 years, and the interest rate is 2.75%. The service life is 6-30 years, and the interest rate is 3.25%. Two. Conditions for handling Kunming provident fund loans. Salaried employees have bought or built houses. Three. Materials for handling Kunming provident fund loan: 1. ID card (ID card of the borrower and the same borrower). 2. Marital status information (marital status information of the borrower, spouse and the same borrower: marriage certificate \ divorce certificate \ unmarried statement). 3. Purchase contract: 4. Down payment information (. Payment voucher) 5. Repay the loan savings card (first class card) or current passbook 6. Application for real estate registration. Certificate of real estate ownership. Mortgage contract. The existing creditor's rights contract and the written materials that both parties agree to include the creditor's rights in the maximum mortgage guarantee scope 4. Kunming provident fund loans shall be handled according to Article 26 of the Regulations on the Management of Housing Provident Fund: employees who have paid housing provident fund can apply for housing if they purchase, build, renovate or overhaul 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. Twenty-seventh applicants who apply for housing provident fund loans shall provide guarantees. The interest rate of our first application for provident fund loans is relatively low, but if we apply for provident fund loans again, the interest rate of provident fund loans will increase, but the interest rate will be lower than that of commercial banks. 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 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.