The interest rate of LPR is mainly related to the interest rate of commercial loans, and the interest rate of provident fund loans is adopted, which will be announced separately by the People's Bank of China. The interest rate of provident fund loans has nothing to do with LPR interest rate, which is regulated by the state, does not fluctuate with market conditions, and is not affected by LPR interest rate. Therefore, no matter how LPR is adjusted and changed, as long as the People's Bank of China does not adjust the benchmark interest rate of loans, the interest rate of provident fund loans will not change.

The way to withdraw the provident fund is as follows:

1, one-time extraction:

One-time withdrawal refers to withdrawing all the provident fund when you retire. This method is suitable for people who need to pay some large expenses at one time, such as buying a house, paying for children's education or other emergency purposes. However, it should be noted that after one-time withdrawal, the subsequent benefits of the provident fund will be lost.

2. Monthly withdrawal:

Monthly withdrawal refers to the withdrawal of provident fund in the form of a fixed monthly amount. This method is suitable for people who want to maintain a stable living expenses after retirement. The advantage of monthly withdrawal is that you can hold partial withdrawal after retirement;

Partial withdrawal means that only part of the provident fund is withdrawn after retirement, and the remaining provident fund continues to be retained. This method is suitable for people who want to keep a certain provident fund as emergency reserve or long-term investment. Partial withdrawal can flexibly meet the different needs after retirement, but it is also necessary to plan the withdrawal amount reasonably to avoid excessive use of the provident fund.

To sum up, the provident fund loan does not involve the adjustment of LPR, and its interest rate changes mainly depend on the adjustment of the benchmark interest rate of the People's Bank of China.

Legal basis:

Regulations on the administration of housing provident fund

Article 25

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.