2. The benchmark interest rate of housing provident fund loans for five years and below is 2.75%, and that for five years and above is 3.25%.
Minimum down payment ratio of housing provident fund loans in Zigong city
(1) The minimum down payment ratio for the first suite of ordinary commodity housing is 20%, and the minimum down payment ratio for the second suite is 30%.
(two) the down payment ratio of re-traded housing loans, according to the age of the house:
1. If the room age is within 10 years (including 10 years), the minimum down payment ratio is 20% for the first suite and 30% for the second suite.
2. If the room age is 10-15 (including 15), the minimum down payment ratio is 30% for the first suite and 40% for the second suite.
3. No loan will be granted if the house age exceeds 15 years.
(3) The proportion of bank transfer loans to the total house price shall not exceed 80%, and shall not exceed the principal balance of bank loans.
2. What is the interest rate of housing provident fund loan in Zigong?
Hello, the current provident fund is below 2.75%; More than 5 years, 3.25%, please know.
3. What is the interest rate of 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, 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 loans refer to individual provident fund loans, which are provident funds paid by employees who apply for individual provident fund loans by provident fund management offices all over the country, and mortgage loans issued to housing provident fund depositors who buy, build, demolish and repair their own houses and retired employees who pay provident funds during their working life. 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 conduct examination and approval according to the material information provided by the user, and an evaluation 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.
4. What is the deposit interest rate of Zigong Bank in 2023?
The deposit interest rate of Zigong Bank is three months 1.43%, six months 1.69%, one year 1.95%, two years' 2.73%, three years' 3.575% and five years' less than 20,000 yuan (excluding).
The deposit interest rate is one year 1.375%, three years 1.625% and five years 1.625%.
Fixed work and two conveniences, and a 60% discount on the interest rate of the same grade within one year.