According to the information of official website, Guiyang Municipal People's Government, the annual interest rate of the first application for housing provident fund loans is 3. 1% for more than five years, 2.6% for less than five years, 3.575% for the second application for housing provident fund loans for more than five years and 3.025% for less than five years. Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund. It refers to the loan that employees who pay housing provident fund to the fund management center regularly apply to the fund management center with their own property houses as collateral when they buy and build their own houses (including second-hand houses) in this city, and is guaranteed by a legal person with guarantee ability. The basic provident fund loan for each household shall not exceed 6,543,800 yuan or 654.38+ 05 times of the total storage amount of the account.