The interest rate of housing provident fund loans is unified nationwide. The annual interest rate of provident fund loans for less than five years (including five years) is 4.45%, and the annual interest rate of provident fund loans for more than five years is 4.90%. I hope I can help you.
Second, the interest rate of housing provident fund loans over the years
The current interest rate of provident fund loans was adjusted and implemented on 20 15, 15124 October. The annual interest rate of provident fund loans for more than five years is 3.25%, and the annual interest rate of provident fund loans for five years and less is 2.75%, which is consistent throughout the country.
Provident fund loan refers to the deposit of housing funds, and the state stipulates that all employees who deposit provident fund can make loans according to provident fund loans.
What conditions do individual housing provident fund loans need to meet? The main contents are as follows:
1. The borrower has full capacity for civil conduct.
2, with the city's official residence or effective residence income, good credit, the ability to repay the loan principal and interest;
4. Before the loan, the housing provident fund was paid normally and paid in full for half a year.
5, can provide a valid contract or agreement for the purchase of owner-occupied housing;
6. In the purchase contract, the borrower and the purchaser must be consistent, and the co-owner (except the spouse) who purchases the joint property rights must issue a written commitment to agree to the mortgage of the house (more than 40% of the second-hand house).
8. The borrower agrees to handle housing mortgage loan and insurance;
9, the purchase of commercial housing, should be provided by the developer in stages.
10. The borrower agrees to open a personal account with the loan undertaking bank and directly deduct the loan principal and interest from the account every month.
3. What is the highest interest rate in the history of provident fund?
Starting from 1996, the highest interest rate of down payment personal housing provident fund loans appeared at 1996, and the interest rate of loans with a term of more than five years reached 8.46%. Created the lowest value at that time. Since then, the interest rate has been above 4%.
Four, the calendar year housing provident fund loan interest rate list
Legal Basis According to the Notice of China People's Bank on Raising the Benchmark Interest Rate of RMB Deposits and Loans of Financial Institutions (Yinfa [20 1 1] 169No.), the deposit and loan interest rates of housing provident fund are adjusted as follows:1.201/July. The deposit interest rate of individual housing provident fund collected in that year remains unchanged; From July 7, 2011,the interest rate of individual housing provident fund loans will be raised. The interest rate of individual housing provident fund loans for five years or more was raised by 0.20 percentage points from 4.70% to 4.90%, and the interest rate of individual housing provident fund loans for less than five years (including five years) was raised by 0.25 percentage points from 4.20% to 4.45%; Three, from July 7th, 20 1 1, to carry out the pilot work of using housing provident fund loans to support the construction of affordable housing, and the loan interest rate will rise by 10% according to the personal housing provident fund loan interest rate for more than five years. Housing provident fund loan is an entrusted loan issued by policy-based housing provident fund. It is a loan applied to the fund management center by employees who pay housing provident fund units to the fund management center on time in a specified period, and purchase or build their own houses (including second-hand houses) with their own property houses as collateral and guaranteed by legal persons with guarantee ability. Loans can be issued by banks entrusted by the fund management center. Legal basis: According to the Notice of the People's Bank of China on Raising the Benchmark Interest Rate of RMB Deposits and Loans of Financial Institutions (Yinfa [201]169), the deposit and loan interest rate of housing provident fund is adjusted as follows:1.201. The deposit interest rate of individual housing provident fund collected in that year remains unchanged; From July 7, 2011,the interest rate of individual housing provident fund loans will be raised. The interest rate of individual housing provident fund loans for five years or more was raised by 0.20 percentage points from 4.70% to 4.90%, and the interest rate of individual housing provident fund loans for less than five years (including five years) was raised by 0.25 percentage points from 4.20% to 4.45%; Three, from July 7th, 20 1 1, to carry out the pilot work of using housing provident fund loans to support the construction of affordable housing, and the loan interest rate will rise by 10% according to the personal housing provident fund loan interest rate for more than five years. Housing provident fund loan is an entrusted loan issued by policy-based housing provident fund. It is a loan applied to the fund management center by employees who pay housing provident fund units to the fund management center on time in a specified period, and purchase or build their own houses (including second-hand houses) with their own property houses as collateral and guaranteed by legal persons with guarantee ability. Loans can be issued by banks entrusted by the fund management center.