1, the loan term is 5 years or less, and the loan interest rate is 2.75%;

2. If the loan term is more than 5 years, the loan interest rate is 3.25%;

3. The interest rate of the first-home provident fund loan is the same as that of the second-home provident fund loan;

4. The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China, and submitted to the State Council for approval after being consulted by the construction administrative department of the State Council.

Provident fund interest rate policy:

1. Benchmark interest rate: According to the regulations of the People's Bank of China and the Ministry of Housing and Urban-Rural Development, the benchmark interest rate of provident fund loans will be adjusted regularly;

2. Interest rate fluctuation: the interest rate of provident fund loans in some areas may fluctuate according to the local economic situation and the real estate market;

3. The difference between the first suite and the second suite: There may be differences in the interest rate of provident fund loans between the first suite and the second suite, and usually the interest rate of the first suite is more favorable;

4. Impact of repayment methods: Different repayment methods (such as equal principal and interest, average principal) may have an impact on the total interest paid;

5. Personal credit: The borrower's personal credit record may affect the interest rate level of the loan.

To sum up, Handan's provident fund loan interest rate is adjusted according to the loan period and the nature of the house. The specific interest rate is proposed by the People's Bank of China and reported to the State Council for approval.

Legal basis:

Provisions on the administration of RMB interest rate

Article 21

The interest rate of medium and long-term loans (with a term of more than one year) should be fixed at one year. The loan (including all the funds that should be allocated by installments within one year from the effective date of the loan contract) bears interest according to the legal loan interest rate of the corresponding grade on the effective date of the loan contract, and one year later, the interest rate of the next year is determined according to the legal loan interest rate of the corresponding grade at that time (the first loan is paid by installments). Medium and long-term loans are settled quarterly, and the 20th of the last month of each quarter is the settlement date. The interest that cannot be paid on schedule during the loan period shall be compounded quarterly according to the contract interest rate, and after loans overdue, it shall be compounded at the default interest rate.