The interest rate of Shaoxing provident fund loan is stipulated as follows: in 2023, the interest rate of Shaoxing provident fund loan will be adjusted from 1 in 2023. After adjustment, the interest rates of Shaoxing housing provident fund loans for less than five years (including five years) and more than five years are 2.6% and 3.1%respectively; Therefore, since 1 month, employees who have made the first housing provident fund loan will have a corresponding reduction in the monthly repayment amount of provident fund loans. 2. In addition, there is another problem, that is, the interest on provident fund loans paid to employees for consultation in June, 5438 +2023 10 is not calculated at 2.6% for less than five years (including five years), but at 3. 1% for more than five years. As the time span for depositing employee loans in June 2023 is from February 2022 to June 2023, it covers both old and new interest rates. The interest rate of the first set of housing provident fund loans will be lowered from 2023 1. In view of this situation, the housing provident fund management center adopts the segmented interest-bearing method in the interest-bearing method of employee loans in 2023. Since February 2023, interest will be calculated at 2.6% for less than 5 years (including 5 years) and at 3. 1% for more than 5 years. Legal basis: Article 23 of the Law of the People's Republic of China on the People's Bank of China, the People's Bank of China can implement monetary policy by using the following monetary policy tools: (1) requiring banking financial institutions to deposit reserves in a prescribed proportion; (2) Determining the benchmark interest rate of the central bank; (3) handling rediscount for banking financial institutions that have opened accounts with the People's Bank of China; (4) Providing loans to commercial banks; (5) buying and selling treasury bonds, other government bonds, financial bonds and foreign exchange in the open market; (6) Other monetary policy instruments determined by the State Council. The People's Bank of China may prescribe specific conditions and procedures when applying the monetary policy tools listed in the preceding paragraph for the implementation of monetary policy.
2. What is the interest rate of Shaoxing provident fund loan?
The interest rate of provident fund loans is 3.3%.
I. Materials required for housing provident fund loans:
1. Household registration book of the borrower and his spouse;
2. Resident identity cards of borrowers and their spouses;
3. Proof of the marital status of the borrower;
4. Proof of down payment for house purchase;
5. The credit status report of the borrower and his spouse printed by the bank;
6. Housing sales contracts or agreements that meet the legal requirements.
The second is the conditions for handling housing provident fund;
1. Individuals and their units must pay the housing accumulation fund continuously for one year;
2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
Three, the housing provident fund management process:
1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
2. After receiving the application, the loan bank shall confirm and review the information;
3. After the audit, the lending bank will contact the lender and sign relevant contracts;
4. For bank loans, the lender shall fulfill the repayment obligations.
3. What's the interest rate of Shaoxing Bank's one-year time deposit?
Current deposit: 0.42%. Lump sum deposit and withdrawal: half a year: 2.015%; One year: 2.275%; Biennial: 3.055%; Three years: 3.900%; Five years: 4.225%.
Due to the difference in the actual interest rate of Shaoxing bank deposit interest rate, please consult Shaoxing bank outlets all over the country for the specific implementation standard of Shaoxing bank deposit interest rate, and the latest interest rate table published by Shaoxing bank outlets shall prevail. The above interest rate data are only for reference when calculating interest.
4. What is the interest rate of Shaoxing provident fund loan?
Hello, at present, the state stipulates that the benchmark interest rate of provident fund loans for less than five years is 2.75%, and for more than five years it is 3.25%. Please understand.