1. What is the interest rate for provident fund loans? The interest rate of provident fund loans was adjusted and implemented on 20 15, 101October 24th. 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 annual interest rate of provident fund loans for five years and less is 2.75%, which is consistent throughout the country. Second, the conditions of provident fund loans 1, 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. 2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same. Third, how to get the provident fund loan guaranteed by the real estate license guarantee center, the borrower does not need to go to the Housing Authority to get the real estate license, and the guarantee center will get the real estate license. After that, the property owner himself took the original ID card to the guarantee center to collect it. If there are two or more property owners, all property owners need to bring their ID cards to the guarantee center to collect them. If you are not present at the same time, you can collect them separately.
Legal objectivity:
The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions and expand the floating range of deposit interest rates. The People's Bank of China decided to lower the benchmark interest rate of RMB loans and deposits of financial institutions from March 20th 1 5 to March1. The benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 5.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.5%. At the same time, combined with the interest rate marketization reform, the upper limit of the floating range of deposit interest rate of financial institutions was adjusted from 65438 0.2 times of the benchmark deposit interest rate to 65438 0.3 times. The benchmark deposit and loan interest rates of other grades and the deposit and loan interest rates of individual housing provident fund are adjusted accordingly.