Yinchuan provident fund interest rate Yinchuan housing provident fund loan interest rate

What is the interest rate of housing provident fund loan?

Different loan methods have different interest rates, among which the interest rate of provident fund loans will be relatively low. The longer the loan term, the higher the loan interest rate, and all banks will float above the benchmark interest rate of the central bank. In order to help you understand the specific content, let's explain in detail the mortgage interest rates of major banks in 2022.

In 2022, the interest rate of central bank loans will be 4.35% within one year (including one year), 4.75% within one to five years (including five years), and 4.9% for loans over five years. For individual housing provident fund loans, the loan interest rate for five years and below is 2.75%, and the loan interest rate for five years and above is 3.25%.

The average mortgage is more than five years, and most provident fund loans are not enough to support the current total mortgage, so the interest rate of commercial loans is the most representative.

Then, let's look at the floating level of commercial banks.

We can see that the central bank's loan interest rate for more than five years is 4.9%, which has returned to the level of about 20 15.

At present, the major banks in China are Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Bank of Communications and Postal Savings Bank. These relatively large bank loan interest rates are based on the benchmark interest rate of the central bank.

What is the annual interest rate of teachers' provident fund loan in Ningxia?

4.9%。

The interest rate of provident fund loans is 4.9%, and the interest rate of commercial loans is 7.05%. The higher the loan amount, the longer the loan term, the higher the interest rate and the higher the total interest. If there is a provident fund, it is certainly more cost-effective to use provident fund loans.

Ningxia housing provident fund loan adopts the method of matching principal and interest repayment, that is, the loan principal and interest are repaid with the same repayment amount every month within the loan period (the last repayment is deducted according to the actual amount owed).

What is the latest loan interest rate of housing provident fund?

The latest benchmark interest rate of provident fund 2022 is as follows:

(1) Starting from June 65438+ 10/day in 2022, the interest rate of individual housing provident fund loans will be determined according to the number of housing units in employees' families.

(2) The interest rate of the first individual housing provident fund loan will be lowered by 0. 15 percentage point, and it will be 2.6% for less than 5 years (including 5 years) and 3.1%for more than 5 years; The interest rate of the second set of personal housing provident fund loans is 3.025% for less than 5 years (including 5 years) and 3.575% for more than 5 years.

(3) For those who apply for portfolio loans to purchase houses, the interest rate of individual housing commercial loans shall be subject to the corresponding interest rate according to the standards set by commercial banks for determining the number of housing units.

Housing provident fund loans with the original benchmark interest rate have been reduced by 0. 1 5 percentage points since the new interest rate was implemented in June 2023, that is, 2.6% for less than five years (including five years) and 3. 1% for more than five years.

The loan interest rate of housing provident fund is unchanged when the original benchmark interest rate rises 1. 1 times, and it is still 3.025% for less than 5 years (including 5 years) and 3.575% for more than 5 years.

Other relevant policies:

Continue to stop issuing housing provident fund loans to employees' families who purchase the third or more houses; Continue to stop issuing housing provident fund loans to workers' families who have used housing provident fund loans for the third time (inclusive) and have not yet settled their housing provident fund loans.

Yinchuan: Apply for provident fund loan again after the first settlement, and the minimum down payment ratio will be adjusted to 30%.

On April 20th, according to Yinchuan Release, Yinchuan's housing provident fund policy will be adjusted from now on to encourage employees to use the provident fund and reduce their burden of buying houses.

After the policy adjustment, if the loan applicant (including the same applicant) has no record of housing provident fund personal housing loan nationwide, the application for housing provident fund personal housing loan shall be implemented according to the first home loan policy.

For loan applicants (including the same applicant) who have a record of housing provident fund personal housing loan in the National Housing Provident Fund Management Center and have settled, the application for housing provident fund personal housing loan shall be implemented according to the second home loan policy.

The New Deal makes it clear that loan applicants (including the same applicant) who use the housing provident fund twice will not be accepted.

At the same time, the New Deal makes it clear that the minimum down payment ratio is adjusted to 30% for individuals who have used the housing provident fund and have settled their housing loans, and for those who apply for the housing provident fund again to purchase new self-occupied housing loans in Yinchuan area in order to improve their living conditions.

For the purchase of commercial housing (second-hand housing), the minimum down payment ratio shall be adjusted to 40%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of individual housing loan of housing accumulation fund in the same period.

The maximum loan amount is adjusted to 700,000 yuan if the main loan applicant normally deposits the housing provident fund in Yinchuan Center and the spouse normally deposits the housing provident fund outside Ningxia District.

If the employee loan applicant and both spouses normally deposit the housing provident fund, the maximum loan amount will be adjusted to 700,000 yuan. Other off-site loan application conditions shall be implemented according to the original policy.

What's the latest interest rate for provident fund loans?

List of interest rates of provident fund loans of banks in 2022

1, central bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

2. Industrial and Commercial Bank of China: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

3. Agricultural Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

4. China Construction Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

5. Bank of China: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

6. Bank of Communications: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

7. China Merchants Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

8. CITIC Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

9. China Everbright Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

10, Shanghai Pudong Development Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

1 1, Shenzhen Development Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 4%, and the interest rate for more than five years is 4.5%;

12, Ping An Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

13, guangfa bank: the loan interest rate of housing provident fund for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

14, Huaxia Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

15. Minsheng Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

16, Industrial Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

17, Bank of East Asia: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

18, Bank of Beijing: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

19, China Postal Savings Bank: the loan interest rate of housing provident fund for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

20. Dezhou Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

2 1, Shengjing bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

22. Guiyang Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

23. Dandong Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

24. Harbin Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

25. bank of luoyang: The interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

26. Fudian Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

27. Jilin Bank: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

28. Bank of Jiangsu: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

29. Bank of Zhengzhou: The interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

30. Taizhou City Commercial Bank: The interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

3 1, Bank of Ningbo: the interest rate of housing provident fund loans for less than five years (including five years) is 2.75%, and the interest rate for more than five years is 3.25%;

What is the interest on the provident fund?

According to the interest rate table of provident fund loans of China People's Bank in 2022, the interest rate of provident fund is:

1, individual housing Roy provident fund deposit: the annual interest rate paid in the current year and carried forward from the previous year is1.5%;

2. Personal housing provident fund loan: the annual interest rate is 2.75% for less than five years (including five years) and 3.25% for more than five years.

Is the interest of the provident fund the same as that of the bank?

The money in the housing provident fund account is the same as the deposit interest, but the interest is not very high. Generally, it will be settled once a year, and the interest will be settled on June 30th every year. After settlement, the interest will be deposited in the provident fund account, and a corresponding short message will be sent to the user to tell you how much interest the provident fund account generated in the previous year.

The money in the housing provident fund is equivalent to a demand deposit, which can be withdrawn or deposited. The housing provident fund paid by individuals and units shall bear interest from the date of deposit in the individual housing provident fund account, and the interest shall be paid according to the savings deposit rate stipulated by the People's Bank of China before Huling. If the amount of housing provident fund is not used for a long time, housing provident fund will generate corresponding interest like deposits.

The balance of provident fund allocated in the current year is calculated at the interest rate of current savings deposits, and the balance of housing provident fund carried forward in the previous year is calculated at the interest rate of lump-sum deposit and withdrawal for three months. If the user withdraws part of the provident fund, it is stipulated to withdraw the balance allocated first.

The biggest function of the money in the provident fund account is not to generate interest, but to apply for loans, because the amount of provident fund loans is calculated according to the account balance. The more the account balance, the higher the loan amount you can apply for, and the more interest you can save for the lender.

The introduction of Yinchuan housing provident fund loan interest rate ends here.