Housing provident fund loan interest rate Nanjing housing provident fund loan interest rate

Nanjing provident fund loan interest rate

_ According to the decision of the People's Bank of China, since June 5438+1 October1in 2022, the interest rate of the first personal housing provident fund loan for less than five years (including five years) has been lowered from the current 2.75% to 2.6%, down by 0. 15 percentage points; The interest rate of the first individual housing provident fund loan for more than five years will be lowered from the current 3.25% to 3. 1%, down by 0. 15 percentage points. The interest rate of the second set of personal housing provident fund loans remains unchanged, and the interest rates for less than five years (including five years) and more than five years are 3.025% and 3.575% respectively. In order to ensure the smooth and accurate adjustment of individual housing provident fund loan interest rate, relevant matters are hereby notified as follows:

_ 1. For the individual housing provident fund loan that has been approved by the housing provident fund management center before June 65438+ 10/2022 but has not been issued, the loan shall be issued at the reduced interest rate, and the relevant procedures and interest rate modification of the contract text shall be completed before the loan is issued.

_ 2. The acceptance and approval of housing provident fund loans are proceeding normally. 65438+1 October1has been entered into the housing provident fund business information management system for approval, but the final review has not been completed, and the adjusted interest rate shall prevail. The loan that has been transferred to the sub-center of the housing provident fund management center will be revised after the final review is completed.

_ 3. The interest rate of the second set of personal housing provident fund loans shall be subject to this notice.

_ 4. Do a good job in publicizing and explaining the policies related to loan interest rate adjustment. Sub-centers and undertaking banks should focus on implementing interest rate adjustment. If you have any questions, please give feedback to the loan collection office of the housing provident fund management center in time.

What is the interest rate of housing provident fund loan?

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, and the annual interest rate of individual housing provident fund deposits is: paid in the current year and carried forward from the previous year to:1.5%; 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. Provident fund loan refers to individual provident fund loan, which is a housing mortgage loan issued by local provident fund management offices, using the provident fund paid by employees who apply for individual provident fund loans, and entrusting commercial banks to the housing provident fund depositors who purchase, build, dismantle and repair their own houses and retired employees who paid the provident fund during on-the-job filming. The above is the interest rate of housing provident fund. How can the provident fund be used to borrow money to buy a house? Users can prepare personal identity documents, provident fund co-branded cards, purchase agreements signed with real estate developers, down payment receipts, residence permits (household registration books or temporary residence permits), personal income certificates (such as bank accounts and salary slips) and other related materials, and go to the business outlets of local provident fund management offices to find staff to explicitly apply for loans.

After receiving the application form and filling it out, the user will submit the report together with relevant materials, and then they can try it out. After the trial, the management office will examine and approve Yuzhou according to the material information provided by users, and an appraisal agency will evaluate the value of the house. After the approval is passed, the user will be informed. Users who receive the approval notice sign loan contracts at business outlets within the promised time, and go through mortgage and other related procedures at the real estate management bureau, and then the bank will issue loan funds. Generally, it takes about two to three months from the user submitting the loan application to issuing the loan funds. Of course, if the bank encounters a shortage of funds and so on, it may take longer to approve and lend money.

What is the interest rate for provident fund loans?

First, the interest rate of the first personal housing provident fund loan for five years (including five years) will be lowered from the current 2.75% to 2.6%, and from the current 3.25% to 3. 1%. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rate of loans for five years or less is 3.025%, and the interest rate of loans for five years or more is 3.575%.

II. For individual housing provident fund loans issued before June 65438+ 10/in 2022, the new interest rate standard will be implemented from June 65438+1 0/in 2023.

3. All management departments will return the first set of personal housing provident fund loans accepted but not issued before June 65438+1 October12022 to the state of adjustable interest rate, and submit them for review after repositioning according to the requirements of this notice.

4. For the loan with adjusted interest rate, it is necessary to reprint the loan approval form and the specially signed contract, involving interest rate and monthly repayment amount.

5. The vacant amount of the first housing provident fund individual housing mortgage lease letter applied after June 65438+1October 65438+1October 2022 shall be subject to the adjusted interest rate.

How much is the interest on the provident fund loan?

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.

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.

What is the interest rate of Nanjing provident fund loan? Introduction to the loan conditions and quota of provident fund

Lead: It is the dream of many young people to own a house of their own. To realize this dream, provident fund is an important force used by people. If you still don't understand how this power works, learn from Bian Xiao. Today, Bian Xiao will introduce you to the provident fund loan in Nanjing.

Housing accumulation fund is a welfare system that most enterprises will provide to employees now, which provides important help for young people to buy a house. However, many people don't know how to use this power. How do we make it work? Bian Xiao will introduce the interest rate, loan conditions and amount of Nanjing Provident Fund loan, hoping to help Nanjing citizens.

What is the interest rate of Nanjing provident fund loan?

Nanjing provident fund loans have different interest rates because of different loan years. The loan term is one year, and the loan interest rate shall be implemented in accordance with the contract and remain unchanged during the loan term. If the loan term is more than one year, the loan interest rate shall be determined by the annual settlement method. If the People's Bank of China adjusts the interest rate, new loans will be implemented according to the latest interest rate policy. If the loan has been processed, the loan interest rate of June 65438+1 October1will be adjusted to the new interest rate standard. The loan term is within 1-5 years, with an annual interest rate of 4%, and the loan term is within 6-30 years, with an annual interest rate of 4.5%.

Nanjing provident fund loan conditions

First of all, employees who apply for loans must have full capacity for civil conduct, and their household registration is urban household registration, or have valid residence identification; Secondly, the lender must have a provident fund account and pay the provident fund in full for at least 6 consecutive months; Good personal reputation, stable income and repayment ability; The purchase, construction or overhaul of owner-occupied housing must be within the administrative area of Nanjing; Thirdly, the lender must agree to use the purchased property as collateral, and sign a letter of commitment, promising to arrange for it when disposing of the collateral; Finally, it must meet other relevant conditions stipulated by Nanjing Provident Fund Center.

Meet all the above conditions, you can apply for provident fund loans. However, under any of the following circumstances, provident fund loans may not be issued, and the lender himself or his spouse has outstanding other bank loans; The lender's quasi-credit card or credit card has overdue overdraft; In the past two years, the loan applicant has six loans overdue records.

Introduction of provident fund loan amount

The loan amount of affordable housing, self-run property and commercial housing cannot exceed 80% of the total house price; One spouse can only borrow 300,000 yuan at most, and both parties can borrow 600,000 yuan at most. If one of them is an officer, the other party can borrow up to the maximum amount. The loan amount of both husband and wife applying for a loan should be calculated by a portable formula; If the spouse of the loan applicant pays the provident fund in the provincial branch, East China Petroleum Management Department, Railway Branch and Prison Management Department, the loan amount of the loan applicant shall be determined by the loan certificate provided by these departments. It should also be noted that the loan amount will be calculated according to the above requirements, and the minimum value will be determined as the loan amount of the loan applicant.

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This is the last day when Nanjing Housing Provident Fund loan interest rate and housing provident fund loan interest rate were introduced. I wonder if you have found the information you need?