The interest rates of the first suite and the second suite are different. 1, the first suite: the loan period is less than 5 years (inclusive), and the loan interest rate is 2.75%; The loan term is more than 5 years and the loan interest rate is 3.25%. 2. Second home: the loan interest rate is related to the borrower's qualification, but the loan interest rate for the first home of the provident fund is 1. 1 times, that is, the loan term is less than 5 years (inclusive) and the loan interest rate is 3.03%; The loan term is over 5 years, and the loan interest rate is 3.58%. According to Article 6 of the Regulations on the Management of Housing Provident Fund, 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 consulting the construction administrative department of the State Council.

Legal objectivity:

The People's Bank of China decided to lower the benchmark interest rates of RMB loans and deposits of financial institutions and expand the floating range of deposit interest rates. The People's Bank of China decided to lower the benchmark interest rate of RMB loans and deposits of financial institutions from March 20th 1 5 to March1. The benchmark interest rate for one-year loans of financial institutions was lowered by 0.25 percentage points to 5.35%; The benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to 2.5%. At the same time, combined with the interest rate marketization reform, the upper limit of the floating range of deposit interest rate of financial institutions was adjusted from 65438 0.2 times of the benchmark deposit interest rate to 65438 0.3 times. The benchmark deposit and loan interest rates of other grades and the deposit and loan interest rates of individual housing provident fund are adjusted accordingly.