The method for querying provident fund loan interest rates is as follows:

1. Third-party platform query: For example, search for "Alipay City Service Query" in Alipay, and then open the "Citizen Center" column. Find the Provident Fund Loan and click Provident Fund Loan Query. If you apply for a provident fund loan, the provident fund loan information, including interest rates, will be displayed.

2. Telephone consultation: The provident fund management center in each city has a customer service hotline. Borrowers can directly call the customer service hotline to inquire about the latest provident fund loan interest rate in their city. After providing personal identity information, customer service will help you check the current annual interest rate of provident fund loans.

3. Provident Fund Management Center Inquiry: Borrowers can directly go to the local Housing Provident Fund Center to inquire about the provident fund loan interest rate. Generally, they need to provide their valid identity documents and go during working days.

The specific calculation method for provident fund loan interest rates is as follows:

1. Base rate: The base interest rate for provident fund loans is determined by relevant national departments based on the economic situation and market conditions, and is generally conducted regularly. Adjustment.

2. Interest rate fluctuation: Depending on factors such as personal credit status and loan amount, the interest rate of provident fund loans will fluctuate to a certain extent. Generally speaking, borrowers with better credit and smaller loan amounts can enjoy lower interest rate fluctuations.

3. Actual interest rate: The actual interest rate of provident fund loans is the result of the base interest rate plus the interest rate floating rate. The specific calculation method is to add the base interest rate and the interest rate floating.

To sum up, the calculation methods of provident fund loan interest rates may be different in different regions and different banks. The specific interest rates are subject to relevant local policies and bank regulations.

Legal basis:

"Regulations of the People's Republic of China on the Administration of Housing Provident Funds"

Article 24

Employees Under any of the following circumstances, the balance in the employee housing provident fund account can be withdrawn:

(1) Purchasing, constructing, renovating, or overhauling self-occupied housing;

(2) Retired or retired;

(3) Completely losing the ability to work and terminating the labor relationship with the unit;

(4) Leaving the country to settle down;

( 5) Repaying the principal and interest of the house purchase loan;

(6) The rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, if the employee housing provident fund is withdrawn, the employee housing provident fund account shall be canceled at the same time.

If an employee dies or is declared dead, the employee’s heirs and legatees can withdraw the balance in the employee’s housing provident fund account; if there is no heir or legatee, the balance in the employee’s housing provident fund account can be withdrawn. Included in the value-added income of the housing provident fund.